Well im not going to drive like an idiot thats not me and I what to get my pass plus as well so that should help my driving.
nothing to do with driving like an idiot, i know people who drive like compleate dicks and i refuse to get in a car with them or drive in front or behind them if theres a few of us convoying somewere and they have never crashed, however i know people who drive sensibly who have crashed, i.e my dad rolled a car 7 times down a motorway and spent 2 nights in intensive care about 5 years ago, yet hes one of the most sensible drivers i know.
as said by mitching its other people and lack of experience leading to you geting in over your head that does the damage.
also ide look into the pass plus first, when i passed there was only about 10 companies that gave discount for pass pluss, all quoted me between 200-1k more than other companies, so ide of been paying for the pass pluss and wouldnt have even got any discount.
good luck with finding a car though