I took this policy out at the test centre so my son could drive straight away. Everything seemed ok, blackbox got installed etc. Then my son began getting issues with his "scores". He would be penalised for things such as having to do an emergency brake if a police car needed to pass in a compromising situation etc so they started charging him fees of £85. I regularly drive with my son and he drives so carefully and with a lot of attention, he used to be so confident but now all of this from CO-Operative has left him feeling like he doesn't want to use the car anymore. I think it's a disgrace, my son has dashcam evidence of his driving which also shows his driving. DO NOT BUY INSURANCE FROM THIS COMPANY!!!!!!!!