How a £150 advanced driving course can cut money from your insurance bill

ADVANCED driving courses are designed to improve your skills on the road, but they can also save you money.

Some insurance companies will deduct your premium, which means your annual or monthly payment could drop by up to 10%.

Taking an advanced driving course can improve your skills and cut costs


Taking an advanced driving course can improve your skills and cut costsCredit: Getty

At the same time, you’re more likely to keep your no-claims bonus, and driving better cuts fuel costs and wear and tear.

These savings can be incredibly valuable, especially when insurance costs have risen by £64 a month later. rule change.

Anyone with a full driver’s license can sign up for an advanced course, from newly qualified drivers to over 70s looking to improve their knowledge.

There are a number of different options available, all at different prices, so you should do your research before you book.

Typically, you can spend between £149 and £250, depending on which company you choose to use.

Comparison site says that some local boards offer discounts on advanced driving courses, which can help match affordability.

Similarly, if you must use a car or motorbike for work, your employer may be willing to pay the cost of an advanced driving course.

Some of the most popular driving courses include:

  • Institute of Advanced Drivers (IAM) RoadSmart
  • Pass Plus Program
  • Advanced driving tests from the Royal Society for the Prevention of Accidents (RoSPA).

The IAM Roadsmart schematic costs £149 and takes between three and six months to complete.

There is an assessment and you must pass the driving test.

The Pass Plus program has six modules, all lasting one hour. You need to pass all of these to get the certificate.

You can apply for a DVSA certificate once it’s passed, which can then be used to lower your auto insurance premiums.

Usually you need to spend between £160 and £200 to complete the course, although you may be able to get a discount from your local authority,

The RoSPA Advanced Driving Test lasts about an hour, and test takers are either serving or retired police officers.

You must check back often to keep your DVSA-approved qualifications.

The test itself is £62, but there is a 4-day course that costs £240.

All three options will improve your driving, which means you’ll have fewer accidents.

This, in turn, will increase your no-claims bonus, which could mean your insurance costs drop from year to year.

You should also learn other important skills such as how to drive in snow and ice, drive safely at night or on the highway, strategies for navigating crowded city centers and improving visibility. and time.

Other key benefits include:

  • Fuel economy – courses explain the best driving practices to reduce fuel consumption, helping to cut costs
  • Lower coverage – some insurers will take into account standards like Pass Pluss and may reduce premiums
  • Less wear and tear – better driving means your car will last longer and require less costly repairs.

Not all insurance companies recognize these courses, so if your main aim is to save cash, you should call your provider and shop around to find one. Fit.

There are plenty of other steps you can take to cut costs, including comparing prices before renewing, getting a black box, and making sure you get the right cover.

Timing your rights purchase can also save money, with Martin Lewis finding that shopping 21 days before renewal can cut £500 from your insurance spending.

Why do I need car insurance?

Legally, if you are driving, you need to have insurance.

You can be fined £300 and get six points on your license for driving without insurance, and the police can seize your car.

Car insurance can protect you from costly repair bills if you have an accident,

Most importantly, it protects others on the road if you are in a collision and injure someone.

There are three levels of coverage to consider.

  • Third party insurance is the minimum insurance you need to legally drive on UK roads. It includes your claims against you in an accident and any injuries you cause.
  • Third party, fire and theft resistant has the same cover as the third party but also protects you from damage to your vehicle by fire and theft.
  • Comprehensive car insurance is the highest level of coverage available and typically covers damage from fire, theft and vandalism, accidental damage, personal injury to others

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