Thats because Collingwood only insure cars provisionally, I had a right doing with that company, Best company ive found is Need2insure, Im 17 and have a 81 Mk1 Fiesta 1100L, Passed my test in Feb and ive paid £1704 Tpft with a 5000 mile limit, its robbery but still a hell of a lot cheaper than paying £4000 plus! 01623 720081-thats the number, cracking bunch of guys too!