This is normal. Insurers offer lower rates to accompanied young learners than when the learner earns the right to drive solo because when accompanied they are a lower risk. The answer is Telematics based insurance that puts a black box inside the car to monitor the driver's style and bases insurance premiums on that. Some of them are listed at the end of this directory: www.honestjohn.co.uk/useful-websites/tax-insurance.../ The problem is, the black box is sensitive to every driver's performance, including yours.