P plates and car insurance

If you’ve just passed your driving test, you might be wondering what P plates are, whether you need them, and how they could help. Here’s everything you need to know.

P plate on the back of a car

Passing your driving test is a huge milestone - congrats! But stepping out onto the roads solo can feel a little daunting. That’s where P plates come in. 

P plates are green signs with a white background that display a 'P' for 'probationary'. They let other drivers know you’re new on the road and still building confidence after passing your test. 

No, P plates aren’t a legal requirement in the UK. You can drive without them once you’ve passed your test. They’re purely for your peace of mind and to inform other drivers that you're new on the road.

Place P plates on the front and rear of your car. Ensure they’re clearly visible and securely attached, but don’t block your view or lights.

  • Driver patience: Other drivers are more likely to give you space and be patient.

  • Confidence boost: P plates might help to take the pressure off when driving in busy areas or unfamiliar routes. They may provide extra security as you settle into driving solo.

That said, P plates won’t excuse driving mistakes. But they might encourage a little more understanding from other road users while you gain experience.

P plates themselves don’t directly impact how much you pay for your car insurance. However, as a new driver, your insurance costs may be higher due to limited experience.

If you haven't passed yet and are using learning (L) plates on a family or friend's car, you'll need learner driver insurance.

Once you pass, you can then use P plates and will need car insurance, as learner insurance will no longer be applicable

As a new driver, car insurance can feel pricey. Insurers see less experienced drivers as higher risk, but there are ways to bring those costs down:

Take a Pass Plus course

This optional training improves your skills in areas like motorway driving, night driving, and bad weather conditions. Many insurers offer discounts if you’ve completed a Pass Plus course.

Drive a car in a low insurance group

Cars with smaller engines, lower repair costs, and basic features are generally cheaper to insure. Do some research before buying your first car, check what group your car is in.

Add a more experienced driver to your policy

Adding a parent or older family member as a named driver can lower your insurance costs. Just make sure they only drive the car occasionally - otherwise, it’s considered “fronting” and is illegal.

Consider telematics insurance

Also known as black box insurance, this tracks your driving habits and rewards careful drivers with lower premiums.

Pay annually

If you can afford to, paying your premium in one lump sum is usually cheaper than monthly installments, which often include interest.

Increase your voluntary excess

Offering to pay more towards repairs in the event of a claim can reduce your premium. Just make sure it’s an amount you can afford.

Shop around

Insurance prices vary widely between providers. So shop around and compare car insurance policies to find the best deal for your circumstances.

FAQs

How long should I display green P plates for?

There's no set time limit. Use them as long as you feel they’re helpful. Once you’re confident, you can take them off.

What's the difference between P plates and L plates?

L plates are mandatory for learners driving under supervision before they pass their test. P plates are optional and for new drivers who’ve already passed.

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