Based on my 2 kids over the past couple of years the learner insurance is ~10% of what the policy costs after passing.
I paid for their first year policy so they could gain some NCB and my eldest (daughter) is now paying Β£6XX vs Β£26XX in year 3 vs year 1
Your aim to to find the solution in the fewest possible attempts.
Having 2 correct letters after the first attempt sets you up well to get the answer quite soon.
Your second attempt was never going to be the solution but you could have found a word using the known letters which could / will be.