In the last year, over half (54%) of learner drivers needed more than one attempt to pass their driving test, raising questions about whether learners are taking their practical test too soon.[1] Despite this high failure rate, only one out of every 10 (11%) drivers felt they tested before they were ready, suggesting that while many don’t pass the first time, they generally feel prepared beforehand.[2]

The research from Go.Compare Car Insurance explores how financial penalties might influence learner drivers. Recent proposals from the RAC suggest increasing fees for those needing multiple test attempts.[3] The insurance comparison site surveyed drivers to see how such fees might change behaviour.

The results show that a third of drivers say they would’ve delayed their test until they were more confident if faced with higher fees for multiple attempts.[2] Similarly, 29% would’ve reconsidered if higher insurance premiums were in place after multiple failures – another factor that could influence drivers.

Younger drivers, aged 18 to 24, were especially cautious about potentially lofty insurance costs, with 41% saying they would have delayed their test under the threat of higher premiums and over a third (36%) stating they would have delayed if fees increased for more than one attempt.

Despite awareness of the financial burden of failing, there’s limited support for increasing fees or premiums. Only 9% backed the idea of higher test fees for repeat attempts, and just 12% supported higher insurance costs for those who fail multiple times.

Tom Banks, car insurance expert at Go.Compare, said: “While learner drivers might not feel they’re testing too soon, the reality is that many will need multiple attempts to pass, and financial penalties could influence their timing – though not everyone agrees that higher costs are the right solution.

“Premiums are already at their most expensive once you’ve just passed, as you haven’t built up a no-claims bonus, with an average annual premium of £1,523 for those with less than a year’s experience under their belts.[4] This is especially true for younger drivers – aged between 17 and 24 – who are seen to be a higher risk.

“It’s important to strike the balance between encouraging better preparation and not penalising learners who might simply need more time or who struggle with test anxiety. Whether higher fees for tests or insurance would lead to better preparedness or simply add stress to an already challenging process remains to be seen.”

Find more information about driver opinions on higher fees for failed driving tests on the Go.Compare website.