Driving instructor insurance is a specialized type of coverage designed to protect both the instructor and learner drivers while they are on the road. Here’s a comprehensive overview:

What is Driving Instructor Insurance?

Driving instructor insurance is essential for anyone teaching driving lessons. It covers the instructor, the learner, and the dual-control vehicle used during lessons. This insurance is different from standard car insurance because it addresses the unique risks associated with teaching inexperienced drivers.

Types of Coverage

1. Any Driver Cover: Allows you to teach any licensed driver, including learners.
2. Hire and Reward Cover: Necessary for instructors who charge for their services.
3. Dual Control Replacement Vehicle: Provides a replacement dual-control car if your vehicle is off the road for repairs.
4. Negligent Tuition Cover: Protects against claims from learners for any negligence during instruction.
5. Off-Road Tuition Cover: Allows teaching learners aged 14+ off-road.
6. Comprehensive Driving Other Cars: Covers demonstration drives in clients’ cars.
7. Modified Vehicle Cover: For any modifications made to the vehicle for instructional purposes.

Why is instructor insurance More Expensive?

Driving instructor insurance is generally more expensive than standard car insurance due to the increased risk factors, such as the presence of inexperienced drivers and the dual-control modifications to the vehicle. Factors like the type of car, location, and the instructor’s experience level also influence the cost

Getting Started

To become a driving instructor, you need to:

1. Get Qualified: Pass the theory, practical, and instructor’s tests to become an Approved Driving Instructor (ADI).
2. Apply for Insurance: Obtain the necessary insurance before starting to teach.
3. Compare Quotes: Use insurance comparison websites to find the best coverage at the right price.

Conclusion

Driving instructor insurance is crucial for protecting yourself, your learners, and your business. It ensures that you can continue teaching even if your vehicle is out of service and provides peace of mind against potential claims.