All credit to Admiral. Cost us £500 to add DS to my Insurance last August (but we did have to cancel my policy & start again to get the "new customer" discount then). I was dreading how much it would be now he has passed, but it was only £135 - and I made another alteration to the policy at the same time that would have cost c. £20 anyway!
They will want about £2k when it comes up for renewal, but that's September and he will be off to Uni then so off the policy too.
Result!
So pleased for him as it's awful when they fail, and worse if they pass and can't afford insurance.
Now, where can he drive me? :)