Why has my car insurance gone up now that I've passed my driving test?

This is because as a provisional licence holder, you must be accompanied by an experienced driver at all times which, in the eyes of insurance companies, is a lower risk than when first driving on your own.

As a newly qualified driver, you'll initially pay more for your car insurance than when you were a provisional licence holder. You'll find this is the case with most insurance providers, not just Motivo.

You'll find that your premium will come down the more years you have held a full licence and, claim-free driving can result in a 'No Claims Discount' also being applied.