My youngest son paid circa €3300 for his car insurance this current year based on the fact that he was 23 years of age and on a provisional licence. His car was valued at €6000. After 9 months in to his insurance he passed his driving test and notified the insurance company of same (Quinn Direct). They are offering just circa €300 of a refund. Has anyone any idea how this sum is calculated as it seems a bit small.