The Pass Plus Scheme and how it could affect your car insurance

Every year, new drivers all over the UK take Pass Plus courses in an effort to become safer drivers. But can the Pass Plus Scheme have an effect on your car insurance premiums? Read our guide to find out more. 

Every year, new drivers all over the UK take Pass Plus courses in an effort to become safer drivers. But can the Pass Plus Scheme have an effect on your car insurance premiums? Read our guide to find out more. 

Daniel Hutson
From the Motor team
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Posted 31 OCTOBER 2019

What is the Pass Plus Scheme?

Pass Plus is an extra driving qualification, over and above the driving test that gets you your full licence. It involves gaining practical experience by dealing with situations that most students haven’t covered in standard driving lessons. It also includes testing on skills they wouldn’t have been tested on before getting their licence.  

The theory behind taking Pass Plus courses is that you’ll be less likely to be involved an accident on the road, which will not only keep you safe, but could mean you’re less of a risk in the eyes of your insurance provider. And if your insurance provider sees you as less of a risk, that could result in lower premiums.

What does the Pass Plus Scheme cover?

The Pass Plus course covers:

  • driving in town – this section is also covered by standard driver’s training courses, but the Pass Plus course handles it in a more detailed fashion. Most of us will do the majority of our driving in town, so this should help build confidence in this area and help make you a safer driver
  • driving on smaller, rural roads – if you do a lot of driving in the countryside, you already know just how narrow these roads can be (and how fast people like to drive on them). Accidents on rural roads are quite common, so this part of the test is worth taking as it teaches you how to avoid them
  • motorway driving – again, most young drivers may have had some experience on the motorway following their driving test, but accident statistics show that most UK drivers can still benefit from additional skills. By spending more time learning on the motorway, Pass Plus can help to consolidate drivers’ skills and make them more reliable on busy roads
  • dual carriageway driving – this is less likely to be covered in detail by a basic driving instructor. Dual carriageways have some of the highest speed limits in the UK, so a little bit of extra training can 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 is much safer than through trial and error
  • driving at night – night-time driving requires more than just a good set of headlights. Reduced visibility can be a challenge to new drivers both in the city and the countryside
  • driving in heavy traffic – it’s not just about learning patience. Anyone who’s had to change lanes on a packed motorway can tell you that basic driver training does not give you the skills necessary to do this safely. After all, motorway skills aren’t covered in driving tests and it’s hard to recreate the setting when practising.

How much does Pass Plus cost?

That all depends on which instructor you use and where you take the test. Generally, Pass Plus courses all over the UK cost between £100 and £180.

Some local councils may also offer discounts off 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.

What kind of discounts can Pass Plus drivers get?

According to DirectGov, not all insurance providers offer Pass Plus discounts. Check with your insurance provider regarding whether or not they offer a discount. And don’t forget you’ll need your Pass Plus certificate.

You can also compare car insurance, with and without a Pass Plus certificate now, to see if you could save.

So, is it worth taking the Pass Plus course?

That depends. You could say that being a safer driver is definitely worth a few hundred pounds. But the question you want answered is whether it makes financial sense.

The answer is that if your chosen insurance provider offers a substantial Pass Plus discount, you may eventually save the money you spent on the course as a result of lower premiums, especially when you consider that you could accumulate a good no claims bonus 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.

So, if you’d like to see if you can save money, you can compare car insurance quotes and providers now.

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