How much does Pass Plus reduce insurance?Pass Plus is a practical training course for new drivers that can reduce car insurance premiums — but the discount is not guaranteed and varies significantly by insurer. Typical discounts range from 5% to 35%, with some insurers offering no discount at all. Pass Plus discounts are not standardised. Always get a quote with and without Pass Plus declared to confirm the actual saving with your chosen insurer before booking the course. What is Pass Plus?Pass Plus is a six-module driving course run by the DVSA, taken after passing your driving test. It covers driving in town, all-weather driving, driving at night, rural roads, dual carriageways, and motorway driving. The course typically takes at least 6 hours and costs £150–£200 depending on your instructor. How much can Pass Plus save on insurance?
Is Pass Plus worth the cost?Whether Pass Plus pays for itself depends on the insurance discount you receive. At £150–£200 for the course, you need an insurance saving of at least that amount to break even in year one.
Does Pass Plus reduce insurance every year?Most insurers apply the Pass Plus discount only in the first year or two. After that, your no-claims discount becomes the dominant factor. Pass Plus is most valuable in your first year of driving, when your premium is highest and you have no NCD built up. Alternatives for cheaper new driver insurance
Verdict Worth it for most new drivers — but check your insurer first Pass Plus is most valuable in year one when premiums are highest. Get quotes with and without Pass Plus before booking. Not all insurers discount it. For maximum savings, combine Pass Plus with a telematics policy. Frequently asked questionsDoes every insurer offer a Pass Plus discount? No. Some insurers offer no discount for Pass Plus at all. Always check with your insurer before booking the course to confirm what discount, if any, you will receive. How long does Pass Plus take? At least 6 hours of practical training across several sessions. There is no test — completion is confirmed by your instructor submitting a certificate to the DVSA. Does Pass Plus expire? No. Once you have a Pass Plus certificate, it does not expire. However, the insurance discount may only apply in your first year or two — check your insurer policy. Can you do Pass Plus years after passing your test? Technically yes, but most insurers only offer the discount to drivers who have passed recently (typically within 12 months). Check with your insurer before booking if time has passed. |
How Much Does Pass Plus Reduce Insurance? UK Guide 2026
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