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What difference will it make to have a provisional license or a full licence?

This depends on the attitude of the insurer. More insurers will offer you insurance if you have a full licence so generally that means better premiums.

However many insurers take the view that as a learner you are supervised and that as a first time driver unsupervised you are more likely to claim.

Statistics for some major companies support this.

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Endsleigh Insurance Services Limited is authorised and regulated by the Financial Services Authority.
 This can be checked on the FSA Register by visiting its website at www.fsa.gov.uk/register.
Endsleigh Insurance Services Limited. Company No: 856706 registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE.