Insurance question

[New POD]

Okay, child 2 is due to take test at end of October, and is currently insured until end of sept on a provisional only insurance which ends at end of sept.

Wife's car insurance is due to finish end of sept too.

What would be nice is if I could work out which company would give the best premium post test for the three of us on the wife's car, before I take out the insurance at end of sept.

Or alternatively a list of 'cancelation fees', because what is more likely is that we'll have to take out one policy for 5 weeks, and then cancel it due to that company refusing to insure anyone under 21 (or whatever)