UK Pass Plus payback calculator
Enter your annual insurance premium, your insurer and the Pass Plus course cost. We work out the expected first-year insurance discount under the documented participating-insurer list and tell you whether the course actually pays back.
DVSA's official Pass Plus participating-insurer list is no longer actively maintained. This list is reconstructed from insurer Pass Plus pages, broker comparison reviews and forum reports. Always confirm directly with your insurer before paying for the course.
| Insurer | Category | Y1 discount |
|---|---|---|
| Aviva | Mainstream | 5-15% |
| Direct Line | Mainstream | 5-15% |
| Churchill | Mainstream | 5-15% |
| AA Insurance | Mainstream | 5-15% |
| RAC Insurance | Mainstream | 5-15% |
| Tesco Bank | Mainstream | 5-15% |
| Zurich | Mainstream | 5-15% |
| Privilege | Mainstream | 5-15% |
| Hastings Direct | Mainstream | 5-15% |
| LV= (Liverpool Victoria) | Mainstream | 5-15% |
| Admiral | Mainstream | 5-15% |
| Marmalade | Young-driver specialist | 10-30% |
| Adrian Flux | Young-driver specialist | 10-30% |
| Endsleigh | Young-driver specialist | 10-30% |
| Collingwood | Young-driver specialist | 10-30% |
| Cuvva | Young-driver specialist | 10-30% |
Sources: Howden Insurance Pass Plus review 2025; MSE forum Pass Plus 2024 thread; insurer Pass Plus product pages where published. Ranges are mid-market estimates, not quotes.
What Pass Plus is (and isn't)
Pass Plus is a DVSA-recognised voluntary course taken AFTER you pass the practical test. Approximately 6 hours of in-car instruction across 6 modules (town, all-weather, rural, night, dual carriageway, motorway). There is no exam, the instructor signs off each module as competently completed.
It exists because the standard practical test cannot cover all UK road environments in 38 minutes. Motorways especially are missing: provisional learners have been technically allowed on motorways with an ADI since 2018 but few instructors offer it. Pass Plus fills that gap.
Why the participating-insurer list is hard to find
DVSA used to publish the full list of insurers offering a Pass Plus discount and update it annually. That list now appears static and unmaintained, and several historic participants (notably some price-comparison-only brands) have quietly dropped the discount in recent years without a corresponding update to the DVSA page.
The table in this tool is reconstructed from current insurer Pass Plus pages, broker comparison reviews (Howden, MSE forum threads) and direct quotes our research agents could verify. It is the best available aggregate list but is not authoritative. Always confirm the discount directly with your insurer before paying for the course, get the discount confirmation in writing.