You make some good points, i will inform you the pass plus scheme in place isnt worth the paper its written on, ive had alot of companies go to me "whats that then" and the ones who do recognise it charge you extortionate rates anyway.
high performance an insurance company who specialise in young drivers with performance cars insurance coverage simply make me laugh.
They dont accept the pass plus scheme they quoted me £4019 fully comp on my rover Ti when i told them tesco would insure me at £748 fully comp with every bell and whistle they simply didnt believe it (till i emailed them my documents to rub it in) (i got £100 for that
)
my friend who has been driving for 2 years but doesnt have a pass plus pays £1700 for a 1.2 corsa without all my driving certificates id be paying still less than that so how they work it all out is beyond me.
My Ti is a performance car it pushs out 200BHP and is capible of 145mph i pay £748 for it and thats cheap bear in mind im 20.
i think if you pass your test in the first 2 years should you have an accident that was deemed your fault you must be given a ban for 6 to 24 months (depending on severity) and take a re test.
The pass plus we have is useless you pay £150 on average for it and its worthless you do a 6 hour drive in all areas and your still not rewarded with much in the line of benifits and after 2 years it ceases to be valid.
The only real advanced driving certificate that is valid for life is the IAM (institue of advanced motorists) then you do see heavy reductions hence why my insurance is so cheap for me.