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Pass Plus doesn't reduce insurance costs for new drivers

Steve Hodge

Steve Hodge
Nov 11, 2019


Passing your driving test is an amazing feeling - the sense of freedom and independence is overwhelming.

Of course that's shortly followed by the crushing realisation that car insurance costs the same as a rather large diamond ring.

Many people decide that enrolling in a Pass Plus course - a series of advanced driving lessons that include night driving and driving on motorways - is a good way to bring insurance premiums down. 

But this isn't true...

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Analysis of thousands of motor insurance quotes shows that completing a Pass Plus course - which the Government claims online 'may help you get a car insurance discount' - will make little difference to the amount you pay for annual cover, according to the Daily Mail.

Providers did not typically change their pricing when customers changed their licence type from 'full UK car licence' to 'full UK car licence with Pass Plus,' analysis of 50,000 quotes from MoneySupermarket show.

That's despite these courses - which cost between £150 and £200 and take six hours to complete - being advertised as being able to cut premiums.

Even advice given to new motorists on the gov.uk website says it should help reduce driving costs.

'Once you've completed Pass Plus you may be able to get a car insurance discount. You'll need your Pass Plus certificate,' it says online.

'Check with insurers that you can still get a discount if you passed your practical driving test more than a year ago.

'The amount of discount depends on the insurance company. Not all insurers offer Pass Plus discounts.

'You might be able to put the discount on hold for up to two years if you do not have a car at the moment - check with the insurance company first.'

Pass Plus training covers six modules, which are: in town; in all weathers; on rural roads; at night; on dual carriageways and on motorways.

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Rachel Wait, consumer affairs spokesman at the comparison website, said its analysis of quotes shows it 'actually makes no difference for the average person'.

She added: 'However, that isn't to say that it definitely won't have an impact for some.'

While extra driving courses won't guarantee cheaper insurance costs, they will improve the driving skills of new and inexperienced licence holders - as well as those who are getting back behind the wheel after a period away from the driver's seat.

This is Money's Emily Hardy is one of the latter. She recently sat additional driver training to improve her confidence on the road having not been at the controls of a car for a decade. 

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