Driving Instructor Insurance
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Why Compare Driving Instructor Insurance With SimplyQuote?
To save you time and hassle, SimplyQuote brings the insurance market to you. We compare quotes from a range of the UK’s leading driving instructor insurers and present you with the best options.
With SimplyQuote, you can quickly and conveniently find a great deal and be protected on the roads with your learners.
When you fill in a short form, providing the following information, we’ll provide you with competitive affordable quotes from the UK’s top driving instructor insurers.
1. Your personal details
Tell us who you are and your contact details.
2. Your driving instructor business
Are you a full-time instructor? Do you operate independently? What areas do you operate in? Do you work with a driving school?
3. Your vehicle(s)
Advise the make and model of the car to be insured. What is the mileage? What modifications and security features does the vehicle have? Will other instructors also use the car?
Who Needs Driving Instructor Insurance?
Independent driving instructors and driving schools should invest in driving instructor insurance. The consequences of driving-instruction accidents can be financially devastating without proper cover.
For an Approved Driving Instructor (ADI) working independently, driving instructor insurance is a safeguard that provides financial protection to you and your business. It can spare you crippling expenses and save you much grief.
For schools, driving school insurance is a wise investment. It can protect instructors, learner drivers, and the business. It covers accidents, injuries, and even legal claims. While not mandatory – except for third-party liability on cars – driving school insurance is a sign that the school operates responsibly.
Driving Instructor Insurance vs Standard Car Insurance
Firstly, special adaptations like dual controls and additional speedometers and mirrors are common features in instruction vehicles. Given these specialised elements, driving instructors are usually not covered by standard car insurance or van insurance policies.
Despite these differences, insurance rates for driving instructors can be reasonable and not substantially more than standard vehicle cover.
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What Does Driving Instructor Insurance Cover?
Driving instructor insurance offers similar types of cover to that available in standard car insurance.
- Comprehensive
– A comprehensive insurance package protects your adapted dual-control car from a range of risks, such as loss, damage, replacement, and repairs. It also incorporates third-party, fire and theft cover. Comprehensive insurance offers great peace of mind; however, you may pay more for the assurance. - Third Party, Fire and Theft
– Covers you for fire and theft and if you cause injury or loss to a third party such as another driver. - Third Party
– Protects you financially if you cause injury or loss to a third party.
What additional driving instructor insurance is there?
As a driving instructor, you effectively operate your business from your car. Therefore, there are several additions you should consider including in your insurance.
- Any driver cover:
This policy extension allows you to teach any provisionally licensed driver, no matter their experience or risk profile. It usually also allows other instructors to use your car. - Learner’s own vehicle:
This insurance covers you if there is an accident while teaching the learner in their car. - Public liability insurance: Public liability insurance covers compensation costs and legal fees if someone sues you for damage or injury. This could happen if a member of the public is hit by your car while a student is driving.
- Replacement dual control vehicle cover:
Provides a dual control replacement vehicle if the insured car is out of operation (after an accident, for example). This ensures safe teaching isn’t severely interrupted. - Professional indemnity insurance:
Driving schools often buy professional indemnity insurance, also known as negligent tuition cover. This protects you financially if the client sues you for negligence or errors in your teaching.
What modifications are covered by driving school insurance?
Car modifications that driving instructor insurance usually covers include:
- Dual controls
- Extra speedometer and mirrors
- Disability equipment
- Signage on your car
If you have modifications be sure to check that the policy covers them.
Are there excesses and exclusions on driving school instructor insurance?
- Excess:
Instructor insurance policies will have an excess which is the amount you must pay yourself when you make a claim. The higher the excess, the cheaper your premiums; the lower the excess, the higher your premiums. The excess amount should always be an important decision. You want to balance affordability now against affordability in the future when you have to claim. - Exclusions:
Be aware some insurance companies may have exclusions in their policies. For example, drivers under 25, instructors with points on their driving records, or certain vehicle modifications may be excluded from cover. Check carefully to make sure your risks and circumstances are fully and properly covered by the policy offered.
How Much Does Driving Instructor Insurance Cost?
The cost of driving instructor insurance depends on multiple factors. The make, model, age, and vehicle mileage are always relevant. Other key considerations include:
- Your driving record and claims history.
- Your work hours. If you only work part-time, the insurance company may consider this a lower risk and quote a lower premium.
- A young Potential Driving Instructor (PDI) completing a training period can expect to pay more than a seasoned Approved Driving Instructor.
- Where you operate – expect to pay more in high-crime areas.
- The more cover options you select, the higher your premium, typically.
- If your vehicle features many modifications, you may pay more.
The important thing is not to compromise on cover to save a few pounds. Be sure to compare and understand insurance policies to find a happy medium between affordability and meeting your business needs.
SimplyQuote helps you search and review multiple quotes to find the right one for your requirements. Compare quotes with SimplyQuote at any time to access insurance from the UK’s leading providers.
How Can I Reduce The Cost Of My Driving Instructor Insurance?
Here are a few ways to access lower driving instructor insurance premiums:
Shop for several quotes
There are many insurance providers in the market and smart comparison sites let you find competitive instructor insurance cover easily and conveniently. Shop around to see what’s on offer and target the policy and the premium that works best for you.
Accept a higher excess
If you are willing to bear a higher excess, it can significantly reduce your premiums.
Clean driver records
For schools, only employing and insuring instructors with clean driving records helps lower costs.
Secure parking
Housing your car in a secure parking area supports lower premiums.
Anti-theft measures
Anti-theft devices in the car, including a tracker, can potentially lower insurance rates.
Pay the policy annually
Try to pay your premium annually rather than in monthly instalments. When you pay upfront for the year, you can usually negotiate a better deal with the insurance provider.
How To Choose The Right Driving Instructor Insurance
When choosing the right driving instructor insurance, focus on the key risks in your business and the likely cost of damages. Consider the following:
- Be careful about overinsuring or underinsuring. There’s no sense paying for cover you don’t need. Conversely, you don’t want a critical gap in your cover because you’ve bought too cheaply.
- As we mentioned above: don’t simply go for the cheapest option. Consider all the important aspects, including the price. This will ensure you get both a good deal and good cover.
- Overlooking important policy terms and conditions can result in nasty surprises and complications. So, review policy details carefully before signing on the dotted line.
- Remember to review your insurance policy regularly to ensure it remains relevant to your business circumstances.
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Frequently Asked Questions
Driving instructor insurance is specialised insurance designed to protect driving instructors and driving schools from the risks associated with the job. Accidents happen during driving instruction, sometimes causing injury and damaging vehicles and/or property. Driving instructor insurance helps cover costs associated with these accidents and injuries as well as legal claims that may arise.
Many insurance providers offer policies that allow driving instructors to add multiple vehicles to their insurance policy. There are often discounts for insuring several cars on the same policy.
All driving instructors are legally required to have insurance in the UK. Driving instructor insurance is tailored to the profession and differs from standard car insurance policies, which don’t adequately address the risks associated with driving instruction.