What is Driving Instructor Insurance
Driving instructor insurance covers you as the instructor, the vehicle and any learner drivers you might be teaching in the vehicle. For any driving instructor or driving school, driving instructor car insurance and instructor car insurance are absolute essentials (and legal requirements).
Driving instructor car insurance is a specialist policy that can cover your vehicle, students and income in the event of an accident. When you’re teaching new drivers who may be unfamiliar with the roads and are typically more likely to make mistakes, it can offer a huge amount of support in the event something goes wrong.
Insurance cover includes specific types of coverage such as public liability and employers’ liability, tailored to meet the unique needs of approved and potential driving instructors.
Benefits of Driving Instructor Insurance
Driving instructor insurance provides numerous benefits to approved driving instructors (ADIs) and potential driving instructors (PDIs). One of the primary advantages is the financial protection it offers in the event of an accident or unexpected event. This type of insurance is specifically designed to cover business use, including driving lessons and instructor training, ensuring that instructors can continue their operations without significant financial strain.
Another significant benefit is the protection for dual control replacement cars. In the event of an accident, having a dual control replacement vehicle ensures that instructors can continue their lessons without interruption. Additionally, optional extras such as RAC breakdown cover and personal accident cover provide further peace of mind and security.
Driving instructor insurance policies are tailored to meet the specific needs of driving instructors, offering competitive quotes and flexible payment options. This customization allows instructors to choose the coverage that best suits their individual requirements, ensuring they have the necessary protection to focus on their business and provide high-quality instruction to their students.
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
What Type of Insurance Do Driving Instructors Need?
The correct insurance can be described as a driving instructor insurance policy, an ADI policy or a driving school policy. As you’d expect, because cover to be a driving insurance must also cover learner drivers, they will typically be more expensive than a standard car insurance policy.
Public liability cover is also crucial for driving instructors, as it protects against claims for injury or property damage caused during lessons. This type of cover is essential in scenarios where an accident might occur, ensuring both the instructor and the student are protected.
Types of Cover Available
Driving instructor insurance policies typically include a range of cover options to suit different needs and budgets. Comprehensive cover is one of the most popular choices, providing protection against accidental damage, theft, and third-party liability. This ensures that both the instructor’s vehicle and any third-party property are covered in the event of an incident.
For those looking for more basic coverage, third-party cover is available, which protects against damage to other people’s property. Third-party, fire, and theft cover extends this protection to include theft of the instructor’s vehicle and damage caused by fire. Additionally, third-party only cover is an option for those who want the most basic level of protection.
Business use cover is essential for driving instructors, as it specifically covers driving lessons and instructor training. This type of cover ensures that instructors are protected while conducting their business activities. Optional extras such as RAC breakdown cover and personal accident cover can also be added to provide additional security and peace of mind.
What Does A Driving Instructor Insurance Policy Cover?
Every policy is different and depending on the students you teach, you might need slightly different cover. Some cover is essential but there are also some vital add-ons that offer additional cover that not every policy will include. You need to consider these when comparing cover to protect your livelihood.
How Much Is Driving Instructor Insurance?
The cost of insurance for driving instructors can vary. There are a number of factors that impact costs but it is to be expected that any instructor policy is usually more than a standard car insurance policy.
How To Reduce Insurance Costs As A Driving Instructor
Whilst there are some things you can do to lower your insurance premiums, it is to be expected that these driving school policies will vary in price depending on the type of cover and the level of cover to protect your business that you want.
When speaking with our agents though, we will do what we can to help you compare and save money on your driving school insurance.
Vehicle Safety Features to Reduce Insurance Costs
Vehicle safety features can play a crucial role in reducing insurance costs for driving instructors. By investing in advanced safety technologies, instructors can not only enhance the safety of their vehicles but also potentially lower their insurance premiums. Some key safety features to consider include anti-lock braking systems (ABS), which help prevent skidding during emergency stops, and electronic stability control (ESC), which improves vehicle stability by detecting and reducing loss of traction.
Lane departure warning systems and blind spot monitoring systems are also valuable additions, as they alert drivers to potential hazards and help prevent accidents. Rear-view cameras provide better visibility when reversing, reducing the risk of collisions. Additionally, telematics systems can monitor driving behaviour and provide feedback, encouraging safer driving practices.
By installing these safety features, driving instructors can demonstrate their commitment to safety, which can lead to reduced insurance premiums and improved overall vehicle safety.
