Im with Quinn, and never had a problem, always offer me free cover on a temp car if i need it too.
Cheapest by far for me and no one can match them. I would speak to them and say whats going on.
 
Also regarding the learner situation, this is true with all insurance companies, you dont drive as much when your a learner and havea driver with you, but when you passed your test you dont, so therefore become a bigger liability.