I had an interesting experience with Flux Direct. Insured my Daughter on a KA as a learner for £430. Great value at the time. She passed her test three weeks later so called Flux Direct who informed me that the new price will now be £3,460. The car is only worth £1,100 but I do know that this has no bearing on the insurance cost. I had to pay £130 cancellation fee plus I had already paid a deposit and the first months charge. Three weeks insurance ended up costing me about £220.