When new drivers think about ways to save on car insurance, the Pass Plus scheme often comes up. But how much does Pass Plus really reduce insurance, and is it worth the time and cost?
In the UK, where insurance premiums for young drivers can be sky-high, understanding every potential saving matters. This article explores the realities of Pass Plus, from costs and benefits to how insurers treat it. By the end, readers will know if Pass Plus is a smart investment for their driving journey.
What Is the Pass Plus Scheme?
The Pass Plus scheme is an advanced driving course designed to improve skills beyond the standard driving test. It is a voluntary program offered to drivers who have already passed their practical driving exam.
The course covers key areas like motorway driving, night driving, and handling different weather conditions. Its main aim is to increase confidence and reduce accident risk for new drivers.
Typically, it takes at least six hours to complete, with most of the time spent in practical sessions on real roads. There’s no final exam, but drivers are assessed continuously to ensure they meet the required standards.
Once completed, participants receive a Pass Plus certificate, which they can present to insurers for potential discounts. While it is not compulsory, it is highly encouraged for drivers who want to build their road experience and potentially reduce their insurance costs.
Who Should Take Pass Plus Scheme?
The Pass Plus scheme is particularly useful for specific groups of drivers who stand to gain the most from additional training.
- Newly qualified drivers: Especially within the first year after passing their test, they often lack experience in certain driving situations.
- Young drivers under 25: This group faces the highest insurance premiums and can benefit from both skill development and possible insurance savings.
- Nervous or less confident drivers: Those who feel anxious about motorway driving, night driving, or adverse weather conditions can boost their confidence.
- Parents of young drivers: Many parents encourage their children to take Pass Plus for peace of mind and added safety on the road.
For these drivers, Pass Plus is more than just a course, it’s an opportunity to gain practical experience, sharpen road awareness, and possibly qualify for insurance discounts.
Even if an insurer does not offer a direct discount, the improved driving skills can reduce the likelihood of claims and build a no-claims bonus over time.
How Much Does the Pass Plus Course Cost Across The UK?
The cost of a Pass Plus course varies across the UK, depending largely on location and the instructor or driving school chosen. On average, drivers can expect to pay between £150 and £250 for the full six-hour training.
In some parts of the UK, like Wales, subsidised schemes such as Pass Plus Cymru make the course available for as little as £20. These schemes are designed to encourage safer driving among young motorists by making the program affordable.
The course fee typically includes all six modules, covering everything from motorway driving to navigating rural roads and handling poor weather.
It is usually paid upfront, but some instructors may offer flexible payment arrangements. Since prices can differ, it’s always recommended to shop around and ask local councils about possible discounts.
How Does Cost Vary by Region and Instructor?
Before booking Pass Plus, it’s essential to understand how costs can shift depending on where you live and who you book with. In major cities like London, where driving lesson rates are generally higher, a six-hour Pass Plus course might cost around £240 to £300.
In smaller towns or rural areas, the price often drops to between £150 and £200. Wales stands out with its government-subsidised Pass Plus Cymru program, offering courses for as low as £20.
| Region | Typical Cost Range |
| London | £240 – £300 |
| Northern England | £150 – £200 |
| Scotland | £180 – £220 |
| Wales (Cymru) | £20 (subsidised) |
| South West England | £160 – £210 |
Instructor experience also matters. Highly experienced instructors or large driving schools may charge more but often provide added value in terms of quality and flexibility.
Local councils in areas like Cumbria, Hampshire, and South Lanarkshire sometimes offer additional discounts, so it’s worth contacting them before booking.
Does Pass Plus Guarantee Lower Car Insurance Premiums?
Many drivers assume that completing Pass Plus will automatically lead to lower car insurance costs, but that’s not always the case. While some insurers do offer discounts, the percentage reduction varies widely, typically between 5% and 25%.
Importantly, not every insurer recognises Pass Plus or offers a discount for it. To avoid disappointment, it’s crucial to check with your insurance provider before enrolling, as savings are never guaranteed.
Even when discounts are offered, they may only apply if the course is completed within a year of passing your driving test.
Beyond direct savings, insurers do recognise that Pass Plus improves driving skills, which can indirectly reduce claims and help build a no-claims bonus over time.
How Much Can You Actually Save On Insurance with Pass Plus?
The savings from Pass Plus can vary dramatically depending on the insurer and individual driver profile. On average, drivers may expect savings of around 10% to 15% on their annual premium, with some providers offering up to 25% discounts.
For example, if your current premium is £800, a 15% discount could save you £120 annually. However, if an insurer does not offer a Pass Plus discount, no immediate savings will apply.
That said, safer driving developed through the course can help prevent accidents and claims, contributing to long-term savings by maintaining a clean driving record.
Is Pass Plus Worth It for New and Nervous Drivers?
For new and nervous drivers, Pass Plus offers more than just the potential for insurance discounts. It provides valuable on-road experience that goes beyond what’s covered in standard driving lessons.
Learners can practice navigating busy motorways, driving in poor weather, and handling night-time visibility challenges, all under the guidance of a professional instructor. This can help reduce anxiety, boost confidence, and improve reaction times in real-world situations.
Even if the course costs more than the immediate insurance savings, the long-term benefits in terms of safety and reduced risk of accidents often outweigh the upfront expense. Over time, fewer claims mean a better no-claims bonus and potential future savings.
How Does Pass Plus Training Work n Practice?
The Pass Plus course is structured into six distinct modules, each focusing on a key driving skill or condition. The training is usually spread across three two-hour sessions or six one-hour lessons, depending on instructor availability.
Modules covered include:
- Driving in town: Managing traffic, roundabouts, and urban hazards.
- Rural roads: Navigating narrow lanes, sharp bends, and unpredictable conditions.
- Motorways: Safe merging, overtaking, and managing speed.
- Dual carriageways: Lane discipline, safe exits, and vehicle awareness.
- Night driving: Adjusting to limited visibility and using headlights effectively.
- All-weather driving: Techniques for rain, fog, snow, and icy roads.
Throughout the course, instructors continuously assess progress, providing feedback to ensure drivers reach the required standard. Most of the course is hands-on, but some theoretical discussions may occur depending on local conditions.
Is There a Test to Get a Pass Plus Certificate?
Unlike the practical driving test, Pass Plus does not involve a formal examination at the end. Instead, participants are assessed continuously throughout the six modules.
To pass, drivers must demonstrate that they have either achieved or exceeded the required standard in each section. If a module can’t be completed practically due to local conditions, the driver can only achieve an “achieved” rating, not “exceeded.”
Once all modules are successfully completed, the instructor provides a report form, which the driver submits to apply for the official Pass Plus certificate. This certificate is essential if drivers plan to claim insurance discounts.
What Alternatives Exist to Save On Young Driver Insurance?
Even without Pass Plus, young drivers have several ways to reduce their insurance costs.
- Choosing the Right Car: Opt for models in lower insurance groups, such as smaller engines or less sporty vehicles.
- Telematics or Black Box Insurance: These policies monitor driving behaviour and reward safe habits with lower premiums.
- Named Driver Policies: Adding an experienced driver as a named driver can reduce risk and lower premiums, provided the young driver is the main user.
- Improve Vehicle Security: Parking off-street or fitting an alarm and immobiliser can lower theft risk and cut costs.
- Compare Quotes Regularly: Shopping around is one of the most effective ways to get the best deal, especially at renewal time.
| Alternative | Potential Benefit |
| Black box insurance | Up to 60% discount on renewal |
| Low-insurance group car | Lower base premium |
| Named driver policy | Shared risk, lower cost |
| Secure parking & alarms | Reduced theft risk, discounts |
Conclusion
Pass Plus is a valuable program for new and nervous drivers who want to enhance their skills and possibly reduce insurance premiums. While it’s not a guaranteed ticket to cheaper insurance, it offers practical experience that can improve safety and confidence behind the wheel.
For young drivers facing high premiums, every bit of saving helps, and Pass Plus can contribute both directly and indirectly.
Combined with other smart insurance strategies, it can play a meaningful role in keeping motoring costs under control. Whether for safety, savings, or both, Pass Plus is worth considering.
FAQs About How Much Does Pass Plus Reduce Insurance
How long is a Pass Plus certificate valid for insurance discounts?
Typically, the certificate can be used for insurance discounts for up to two years after completion.
Can experienced drivers take Pass Plus and get insurance savings?
Yes, experienced drivers can take it, but insurers may prioritise discounts for newer drivers.
Is Pass Plus mandatory for first-time drivers in the UK?
No, Pass Plus is completely voluntary and not required to obtain a full driving licence.
Does Pass Plus help with building a no-claims bonus faster?
Indirectly, yes, because improved driving skills can help avoid accidents and claims.
Are there any government subsidies for Pass Plus outside Wales?
Some local councils in England and Scotland offer subsidies, so it’s worth checking locally.
What other advanced driving courses are recognised by insurers?
Courses like IAM RoadSmart are also valued by insurers and may help lower premiums.
Can I combine Pass Plus with black box insurance for extra savings?
Yes, combining both can lead to maximum savings by proving safe driving habits.
