Driving Instructor Insurance

Driving instructors have different needs to other general road users.
Dual control vehicles require specialist insurance coverage compared to standard motor vehicle insurance policies. Having paying clients in the car is another reason that specialist liability cover is required as part of your policy. As driving instructors spend a higher percentage of time on the road than the majority of road users teaching novice drivers, it is important to ensure that you have the right level of driving tuition insurance for peace of mind. Our tailored cover includes personal accident cover for anyone in your car, which you would not get with a standard car policy. We can also offer motor prosecution defence cover to cover your legal expenses in the event of you being taken to court.

Some of the benefits of our policies include:

Our Driving School Insurance policies are designed to meet your specific business needs. Whether it is your full time or part time occupation and whether you are an ADI or PDI. Usually your insurance policy will consist of several types of cover which will be combined into one policy. You can choose to omit various elements if you don’t wish to include them in your policy.

Some key areas of our policies include:

Dual Controls Protection

– Dual control courtesy cars will be available to keep you on the road in the event of your everyday car being off the road. Whether fault or non-fault, we understand how important it is to keep your driving school business running. We aim to get a replacement vehicle to you within 24 hours, dependant on the geographical area. So far we haven’t failed to hit that target. We offer cover until your car is repaired or replaced for non-fault accidents and 21 day cover for Fault accidents.
We have access to the largest fleet of dual controlled cars in the UK.

Personal Accident Cover

Our Personal Accident Cover allows driving instructors to have complete cover for all their passengers, regardless of whether they are pupils or family members or friends.
Additional elements not normally in most standard policies will cover you for:

• £100 a day if you are hospitalised after your accident.
• Injury or theft if you are victim of an unprovoked attack (ie Road Rage).
• Stress counselling after an unprovoked attack (ie Road Rage).
• Taxi fares (If unable to drive after an RTA due to injuries, covering taking children to school and taking your client to/from the hospital or doctors)

Hire and Reward Cover

– This is required by law for instructors and not available on standard car policies. Hire and Reward is a class of insurance use which allows you to legally carry people or the property of others in exchange for a fee. We have low rates for Hire and Reward Cover to help keep the cost of your policy down.

Off Road Schooling

– We have Off Road Driving Instructors Insurance for customers as young as 14 years of age – Ideal for helping build the confidence of nervous drivers.

Banned Driver Tuition

– Cover for tuition and tests to help convicted drivers get their licence back.

In addition to being able to tailor your policy, we also have a range of additional cover options to give you extra peace of mind, including:

Legal Expenses Cover

-€“ Legal Expenses Cover is a type of insurance you can buy as part of your Driving Instructor Insurance to cover yourself against the potential costs of legal action either brought by you or against you as a road user.

Breakdown Cover

-€“ This will cover your own vehicle, so you can be recovered back to your premises in the event of a breakdown.

Excess Protection

-€“ If you are unfortunate enough to need to make a claim you can recover your excess after the event.

Windscreen Cover

-€“ We also offer cover for the repair or replacement of damaged windows or the windscreen of vehicles owned by the policy holder.

All our additional policies have different covers, so please check your policy wording. Our advisors will always be happy to go through this with you.