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DVSA's official Pass Plus participating-insurer list is no longer actively maintained.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 public insurer Pass Plus pages, broker comparison summaries and DVSA's legacy participating-insurer references. It is a practical starting point, not an authoritative live register. Always confirm the discount directly with your insurer before paying for the course, and get the discount confirmation in writing.
Frequently asked questions
Is Pass Plus worth it in the UK in 2026?
It depends on your insurer and premium. With a mainstream insurer (Aviva, Direct Line, Churchill, AA, RAC, Tesco, Zurich, etc.) offering ~10% Y1 discount on a £2,200 premium, the saving is around £220 vs a course cost of £150-300, roughly break-even. With a young-driver specialist (Adrian Flux, Marmalade) offering ~20% Y1, the saving on the same premium is around £440, comfortably net positive. With an insurer not on the participating list, there is no financial payback though the skills value remains.
How much does Pass Plus cost in the UK?
Pass Plus typically costs £150 to £300 in 2026, with regional variation (cheaper in the North and Wales, more expensive in London and the South East). The Welsh Government subsidises the course down to £20 via Pass Plus Cymru for residents under 25. The price covers approximately 6 hours of instruction across 6 modules: town driving, all-weather driving, rural roads, night driving, dual carriageways and motorways.
Which UK insurers give a Pass Plus discount?
Historically participating insurers include Aviva, Direct Line, Churchill, AA, RAC, Tesco Bank, Zurich, Privilege, Hastings Direct, LV=, Admiral, and the young-driver specialists Marmalade, Adrian Flux, Endsleigh, Collingwood and Cuvva. Typical discounts are 5-15% in the first year for mainstream insurers, 10-30% for young-driver specialists. DVSA's own published list is no longer actively maintained, so always confirm directly with your insurer before paying for the course. The discount usually applies only to Year 1 of cover.
How long is a Pass Plus course?
Pass Plus is approximately 6 hours of in-car instruction covering 6 specific modules: town driving, all-weather, rural roads, night driving, dual carriageways and motorways. It is not an additional test, there is no pass-or-fail grade. The instructor signs off each module as competently completed. The full 6 hours can be done in a single day or split across multiple sessions within 3 months.
Can I do Pass Plus before my driving test?
No. Pass Plus is a post-test course; you must hold a full UK driving licence to enrol. The course aims to consolidate skills that are not fully assessed in the standard practical test (most obviously motorway driving, which is optional for provisional learners since 2018 but rarely offered by instructors). Pre-test motorway lessons are a separate category, search for instructors offering provisional-learner motorway tuition.
Where can I find a Pass Plus instructor near me?
Any DVSA-approved ADI (Approved Driving Instructor) registered for Pass Plus can deliver the course. AA Driving School, RED Driving School, Bill Plant, BSM and independent ADIs all commonly offer Pass Plus. Start with gov.uk's "Find driving schools and instructors" search at gov.uk/find-driving-schools-and-lessons and ask any nearby instructor whether they are Pass Plus registered. Pricing is set by individual instructors; expect £25-50 per hour for the 6 hours of tuition.