You have been warned. Most learner drivers do not require a long-term insurance policy. Collingwood exploit this by charging ridiculous, extortionate, and unfair cancellation fees when learner has passed and no longer requires this insurance. In our case, the cancellation charges were the same as three monthly payments for the policy! Collingwood will hide behind the "well, you signed the T&C's" excuse. Be warned!!! Avoid them. They also insist on taking the monthly premium by debit card rather than direct debit. This ensures they can just take the charges when you cancel and you cannot do anything about it.