Driving Instructor Insurance

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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.

Compare Driving Instructor Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

Driving Instructor Insurance

What our Comparison Expert Says

‘Training people to drive is a very rewarding occupation. Training unskilled drivers though does come with a level of risk. Make sure you have all the cover you need so that you can continue to train drivers with confidence. Our team is here to quickly help you compare insurance for your driving instructor business’.

- Michael Tribe

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.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

Specialist Brokers Are Compared

We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive Driving Instructor Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

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.

Any Driver Cover

Any driver cover is an essential part of an instructor policy. Covering students using your vehicle is the highest priority, but this cover includes any licensed drivers, and this means both you and your students are protected when using a vehicle covered by this policy.

Dual Control Replacement Car

Insurance policies for driving instructors are slightly different in that they will usually need to cover dual-control cars. When it comes to choosing a policy, this might mean it’s important to look at dual control courtesy cars or replacement vehicles in the event of an accident. This stops you from losing valuable income if your car is off the road. A replacement dual control vehicle is a specially adapted vehicle and won’t be available with every broker.

Negligent Tuition Cover

Negligent tuition cover is important, regardless of how experienced you are as an instructor. With new students behind the wheel anything can happen and it’s best to be covered. It protects you against claims made by students in the event of injury or accident.

Hire & Reward Cover

As someone making money using your vehicle you will need to ensure you have hire & reward cover included in your policy. This covers vehicle based services in exchange for reward. People like couriers and taxi drivers might also need this cover.

Public Liability Insurance

Public liability insurance is important for lots of businesses. For those instructing new drivers it provides protection should any damage or injury occur to the general public as a result of your vehicle or one of your drivers.

Protected No Claims Bonus

It’s not always you behind the wheel, so it’s possible to protect your no claims bonus on a driving instructor insurance policy. This helps you retain lower personal insurance costs and still gives full protection to students and third-parties during lessons.

Low Excess

New drivers are more prone to accidents on the road, and small bumps and scrapes can become costly to instructors. Low excess is an option on some insurance policies where instructors might need to make claims more than they might on a personal policy. This means lower excess payments and ensures that the instructor doesn’t lose out if a student is in an accident.

Legal Expenses Cover

Legal expenses cover is fairly standard for insurance policies but it is possible to add-on more legal protection. This can cover costs for legal disputes and can also sometimes include negligent tuition cover. You will need to check the specifics of a policy to confirm what is included in this cover as it varies by insurer.

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.

Full or Part Time Instruction

If you are instructing full-time then you will be expected to be covering more miles and instructing more students. This can indicate to insurers the level of risk for accidents.

Location

Some locations will be more costly for insurance than others. A busy city, for example, will likely pose far more risk to new drivers than a small countryside village might. Location also impacts how insurers will see the likelihood of vehicle crimes like theft and this can increase premiums.

Instructor Status

A PDI (Potential Driving Instructor) has to complete a 6 month probationary period. During this time you can expect premiums to be higher. ADIs (Approved Driving Instructors) will typically see lower costs due to their experience.

Vehicle Type

As with any motor insurance, the vehicle type will impact the cost of the policy. The more expensive a vehicle to repair or replace, the more expensive the policy. If you want to try and keep premiums down as much as possible, you should look at the insurance bands for potential vehicles.

One of the best ways to ensure you’re getting a good deal on your policy is to compare your options. Insurance can be complicated, particularly when you need specialist policies or additional features. When you compare driving instructor insurance, you are able to look at all of your options in one place.

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.

Frequently Asked Questions

In short, yes. Driving instructors need to be covered not only for themselves but also for their students. Driving instructor insurance is typically much more expensive than a standard policy so it’s always best to compare your options or speak to a broker about where you can get a good deal and ensure the correct coverage.

A PDI (Potential Driving Instructor) and an ADI (Approved Driving Instructor) will see different premiums for insurance policies. PDIs are facing an initial probationary period whilst ADIs will typically get cheaper insurance because of their experience.

ADI or Approved Driving Instructor Insurance will cover everything you need when teaching students to drive. This includes standard insurance, any driver insurance, public liability insurance, legal expenses and can even cover dual control courtesy cars in the event of an accident.