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Does the Pass Plus scheme reduce the cost of your car insurance?

Every year new drivers all over the UK take Pass Plus courses to help them become safer, more confident drivers. But can the Pass Plus Scheme bring down the cost of your car insurance? Read our guide to find out more.

Every year new drivers all over the UK take Pass Plus courses to help them become safer, more confident drivers. But can the Pass Plus Scheme bring down the cost of your car insurance? Read our guide to find out more.

Written by
Rory Reid
Car and technology expert
Last Updated
5 min read
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What is Pass Plus?

Pass Plus is an extra driving qualification you can take to improve your skills after passing your driving test. It’s not mandatory but it could make you a better driver and might lower your insurance costs.

The course, set up by the Driving and Vehicle Standards Agency (DVSA), can be taken at any time – although it’s likely to be most beneficial to new drivers in the year after passing their test. It can be taken with a qualified driving instructor in your local area, and you don’t need to take an extra test to complete it. 

What does the Pass Plus Scheme cover?

Pass Plus covers driving in six different situations:

Driving in town

Most of us will do a lot of our driving in town, so this could help build confidence in this area and help make you a safer driver.

Driving on smaller, rural roads

If you drive in the countryside, you already know just how narrow these roads can be (and how fast some people like to drive on them). 

According to road safety charity Brake, rural roads are the most dangerous for all road users, so this part of the course is well worth taking.

Motorway driving

Because this isn’t assessed in the driving test, it’s possible that young drivers might not have much experience of it. Driving on the motorway for the first time can be daunting – especially without the guidance and support of a trained driving instructor. 

With 4,857 motorway casualties in the UK in 2021, accident statistics show that many UK drivers could benefit from additional motorway lessons. By spending more time learning on the motorway, Pass Plus could help you sharpen your skills and handle busy roads better.

Dual carriageway driving

This is unlikely to be covered in detail by a basic driving instructor. Like motorways, dual carriageways have some of the highest speed limits in the UK, so a little bit of extra training could make all the difference. 

Driving in poor weather conditions

Most young drivers are told to avoid driving in bad conditions. Good advice when you’re new to the road, but what happens when you don’t have a choice? 

Gaining these skills in a formal setting, with advice from someone with a wealth of experience, is much safer than through trial and error.

Driving at night

Reduced visibility can be a challenge to new drivers both in the city and the countryside. Learning how to use your headlights and adapt to poor visibility could make a huge difference in lowering your risk of accidents on the road.

Pass Plus takes at least six hours to complete. You’ll normally book and pay for the course upfront, but it’s recommended to split the lessons up – usually into three two-hour blocks.

Ideally, all modules should be practical sessions, but local conditions might mean some are theory-based.

Is Pass Plus worth it?

You could say that learning to be a safer driver is definitely worth a couple of hundred pounds, if you can afford it. Especially if you don’t yet feel confident behind the wheel after passing your driving test. But in terms of whether it makes financial sense, the answer is, it depends.

If your chosen car insurance provider offers a substantial Pass Plus discount, you may save the money you spent on the course. Being a safe driver due to the Pass Plus scheme could also help you accumulate a no-claims discount sooner if you have the skills to avoid accidents.

But if your insurance provider doesn’t offer a discount, you won’t save any money just for being certified. However, there’s more than one way to try to save money on your premiums. Read our top tips for getting cheaper car insurance.

Is there a test to get a Pass Plus certificate?

No, don’t worry – you won’t have to put yourself through another test at the end of the Pass Plus course. You’ll be continually assessed throughout your training and will have to reach a required standard in each module to pass.

You’ll either have ‘achieved’ the standard required or ‘exceeded’ it. If a module is completed without a practical session, you can only get an achieved grade.

Once you’ve completed the course, you’ll be able to apply for a Pass Plus certificate as proof. You’ll need this to secure any potential discount on your car insurance.

What are the pros and cons of Pass Plus?

There are many benefits to taking the Pass Plus course. The most important thing is that it improves your driving, which is always a win, but it’s not a guarantee of a cheap insurance policy – especially for those in high-risk groups like young drivers.


  • Build confidence behind the wheel – if you’re nervous about driving on your own after passing your test, the Pass Plus scheme could give you extra hours on the road with an instructor by your side.
  • Boost road safety skills – gaining extra experience can improve your driving ability in a variety of road settings and conditions, helping to make you a safer all-round driver.


  • Cost – the cost of the Pass Plus driving course can often be more than the amount you could save on your insurance.

  • May not result in a discount – not all car insurance providers offer discounts for drivers with a Pass Plus certificate, and the amount of discount offered varies among those that do. Any potential discount may only be valid if you passed your practical test more than a year ago. 

How much does the Pass Plus scheme cost?

It depends on which instructor you use and where you take the training, as well as how many hours you need to pass. Pass Plus courses usually cost between £150 and £250.

If you live in Wales, you’ll be pleased to hear that the Pass Plus Cymru scheme costs just £20.

Some local councils in England and Scotland may offer discounts on the full Pass Plus training costs.

Contact your borough, town, city or county council if they’re listed on the government’s website to see if they can help you with the cost of your training.

Does Pass Plus reduce insurance cost?

Not all insurance providers offer Pass Plus discounts. Check with your insurance provider to see if they do. And don’t forget, you’ll need your Pass Plus certificate to be eligible for any discount.

How else can you lower the cost of car insurance for young drivers?

There’s a few other ways you could lower the cost of your car insurance, including:

  • Choosing a cheaper car to insure – the make and model of your car is a factor in the price of your insurance. Powerful, expensive cars are likely to cost more to insure, so opting for cheaper, slower models might save you cash. Check a car’s insurance group before you buy to get an idea of how much it will cost to insure.
  • Opting for black box insurance – this allows insurance providers to keep an eye on how you’re driving. This could earn you a discount on your insurance if you can show that you’re consistently driving well.
  • Sharing your car with an experienced driver – adding a more experienced driver to your policy as a named driver could bring down the cost of your insurance. But the main driver named on the policy must be the one who drives the car the most. Not being honest about this is a type of insurance fraud called fronting.
  • Parking your car securely – where your car is parked overnight could affect the cost of your insurance. If you have to park on a public road, fitting your car with an alarm, immobiliser or other security device could help lower the cost of your premium. 

One of the best ways to make sure you’re getting a good deal on your car insurance is to shop around. See if you can save by comparing car insurance quotes.

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Compare car insurance quotes with us today and see if you could start saving.

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Rory Reid - car and technology expert

Rory Reid is a car and technology expert. He serves as the main presenter on Auto Trader’s YouTube channel and was previously a host on BBC Top Gear and its sister show Extra Gear. He is also a presenter on Fifth Gear. Previously, he hosted Sky TV’s Gadget Geeks, CNET’s Car Tech channel, BBC Radio 5 Live’s Saturday Edition and on the YouTube channel Fast, Furious & Funny.

Learn more about Rory

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