Pass Plus Car Insurance Discount

Pass Plus is a defensive driving course offered in the UK geared toward new drivers to gain confidence on the road. Drivers who take the course receive a discount on their car insurance rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 17, 2020

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Here's what you should know...

  • Pass Plus is a safety driving program offered in the UK, similar to defensive driving in the US
  • Pass Plus is a 6-hour course geared toward new drivers to help them gain confidence in various traffic scenarios
  • You must provide proof of completion to the 14 participating insurance companies to get the Pass Plus Discount

In the UK, much like the US, you are required to carry insurance on your automobile.

There are three types of standard insurance available: comprehensive, third-party fire and theft, and third-party only. Third-party only is the only insurance required in the UK.

Pass Plus is a driving program available in the UK that is specifically designed for new drivers who have already received their driving license.

This 6-hour course provides you with practical training for driving on various road types and situations. It includes in town, all weather, rural roads, night driving, dual carriageway and motorway driving.

When you take Pass Plus, you qualify for a discount from several car insurance companies in the UK. This is a long-term benefit that could end up saving you a lot of money, especially if you are a new and/or young driver.

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Pass Plus: More than Just a Discount

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After completing Pass Plus, discount car insurance is a great benefit, but it isn’t the program’s only advantage. You will become a better driver, too.

Confident drivers are less likely to be in accidents. Safe drivers are low-risk to insurance companies, and as a result, they pay less for coverage.

In addition, once you complete the Pass Plus course, you will qualify for the advanced driving course, which could equal even deeper insurance discounts for you.

Even if you don’t currently own a vehicle, you can redeem your Pass Plus discount for up to 2 years after you have taken the course.

This doesn’t mean that your discount will expire in two years, only that the expectation is that if you aren’t driving then you will lose some of the techniques you learned from the course.

Eventually you will be unable to claim the discount without taking the course again.

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To Claim the Pass Plus Discount, Car Insurance Verification is Required

In order to qualify for the Pass Plus discount, car insurance companies will require you to present them with the Pass Plus certificate that shows that you graduated from the course.

However, you need to ensure that the course you take is from a certified ADI (Approved Driving Instructor) that is registered with the DSA (Driving Standards Agency).

In addition, the ADI must have what is called a green badge and must be approved by your local driving authority, if your local authority supports the Pass Plus program.

If they don’t support the program, then you can find an appropriate ADI by asking the ADI who initially taught you to drive.

The Cost of Pass Plus: Discount Car Insurance May Not Balance it Out

Jars of coins

The truth is, the cost of Pass Plus is relative to where you live in the UK, but the average cost is about £120.

Graduating students receive a discount from their car insurance companies of between £30 and £200 depending on:

  • The type of vehicle they drive
  • How many times it took them to pass the test
  • Driving record
  • Other factors

The real issue, at this time, with Pass Plus, is the fact that there are not mandates as to how much you will pay for a course and how much of a discount you might receive from your insurance company.

Some instructors charge as much as £300 for the course, so it is important to shop around.

Another thing that might concern you is the fact that there are only 14 insurance companies that participate in the Pass Plus program.

There are literally dozens of insurance companies that sell insurance in the UK, which may mean that there are companies that may offer you discounts without the Pass Plus.

You can visit your local driving authority website to view some of the different insurance companies that offer insurance in the UK.

If you are a US citizen who is going to have to live in the UK for a while, this is a good place to start if you need to purchase insurance for a vehicle that you are shipping to the UK.

You can also look into car insurance for driving abroad if you will rent a vehicle while overseas.

However, no matter what your driving situation is, the easiest way to find out what insurance companies will charge you how much for your insurance is to use a free quote tool.

Find car insurance quotes near you with our free search tool below!

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