Hi,
Wow thats alot. Get him first to get his full licience, a little incentive for him and it probably be cheaper then. I know when I started I was under my mothers policy for a year and when I went out on my own it was 1000 punts about 5 years ago or so and that was comprehensive with FBD and the one year under my mother they gave me that one year under my own name which was sound of them. I am still with FBD and find them the cheapest!