Driving Instructor Insurance

Driving Instructor Insurance

Regardless of our driving skills, unforeseen incidents can lead to vehicle damage. For driving instructors, this risk is amplified due to the nature of teaching novice drivers.

Driving instructor insurance is crucial to mitigate these risks. It is essential to find a policy that suits your requirements and provides adequate cover for your vehicle, yourself, and your learners.

We have prepared a comprehensive guide on driving instructor insurance, covering the various types of policies available and tips on securing the most advantageous deals.

Driving Instructor Car Insurance

Driving instructor insurance is essential and mandated by law for all driving instructors in the UK. Unlike regular motorists who can select from standard car insurance policies, instructors must seek out insurance options tailored specifically to their unique needs.

These policies include cover features specifically designed for the challenges and risks associated with teaching driving.

Driving Instructor Car Insurance

Understanding the Requirements

Instructors need more comprehensive insurance cover because their role involves not just driving but also educating others on how to drive safely.

This responsibility brings an added level of risk, necessitating cover that protects against potential damages or injuries occurring during lessons.

Choosing the Right Policy

Selecting the correct insurance policy is crucial for driving instructors. It’s important to look for cover options that address all aspects of a driving instructor’s work, including vehicle damage, liability for student errors, and any other specific risks involved in instructing learners.

By familiarising yourself with the specific insurance needs of driving instructors and exploring the available options, you will be well-equipped to make an informed decision that ensures comprehensive cover for all aspects of your professional activities.

How is it Different to Standard Car Insurance?

Driving instructor insurance differs significantly from standard car insurance due to the unique requirements and risks associated with providing driving lessons.

Cover for Professional Use

While standard policies typically cover social, domestic, and personal use, driving instructor insurance must account for the commercial aspect of their work. Hire and reward cover is a crucial component, ensuring that instructors are protected while offering their professional services.

Enhanced Accident Cover

Given the heightened risks posed by learner drivers, who may be prone to mistakes due to inexperience or nerves, driving instructor policies often include more comprehensive accident cover.

This is essential not only for the safety of the instructor and learner but also for protecting against potential liabilities on busy roads and motorways.

How is it Different to Standard Car Insurance

Additional Features for Instructors

Beyond accident cover, it’s important for driving instructors to consider insurance features that support their business continuity.

Dual control car cover and multi-vehicle coverage are examples of such features, designed to ensure that instructors can continue teaching even if one vehicle is out of commission due to an accident or mechanical failure.

This is particularly important given the potential impact on students, especially when facing long waits for driving test appointments.

In summary, driving instructor insurance is tailored to address the specific risks and requirements of their profession, offering enhanced protection and features beyond what is available in standard car insurance policies.

What if I’m Still Training?

Insurance considerations are vital even for those in the process of becoming a driving instructor, including those classified as a Potential Driving Instructor (PDI) and working towards becoming an Approved Driving Instructor (ADI).

What if I'm Still Training

Insurance for PDI

As you undergo the journey to achieve your ADI qualification, it’s crucial to understand that driving instructor insurance applies at this stage too. The process involves passing three specific tests:

  1. Hazard perception and theory questions (multiple-choice).
  2. An eye test, vehicle safety questions, and a driving ability test.
  3. An assessment of your instructional capabilities and techniques.
Related:  How driving instructors can support the ‘Ready to Pass? campaign

Insurance Cover for the ADI Tests

Notably, the third test requires you to instruct a learner driver, which means you must have insurance cover that allows a learner to be in the car with you.

This is where specialist insurance products, such as a 1-day driving tuition insurance policy, can be particularly useful.

Such policies are designed to provide temporary cover for the specific day of your part 3 ADI test, ensuring you are legally covered to instruct a learner during this crucial assessment.

The Cost

Understanding the factors contributing to the higher costs of driving instructor insurance compared to standard car insurance is crucial for professionals in the field.

Reasons for Higher Costs

Driving instructor insurance policies are noticeably more expensive due to several factors directly related to the nature of driving tuition.

Learners, by their inexperienced nature, increase the risk of accidents and place additional wear on the vehicle’s clutch and brake pads.

This not only elevates the risk of accidents but also the likelihood of mechanical breakdowns. Instructors, therefore, require more comprehensive cover to protect against these heightened risks, including:

  • Any driver cover (including learners)
  • Replacement dual control car
  • Modified vehicle cover
  • Negligent tuition cover
  • Driving off-road cover
  • Breakdown cover

The need for these specialised covers significantly influences the cost of insurance policies for driving instructors.

Factors Affecting Cost

Type of Instructor

PDIs face higher premiums due to their probationary status and limited experience, while ADIs, with their proven track record, often benefit from lower insurance costs.

Your Vehicle

The make, model, and transmission of your teaching vehicle can impact insurance costs. Manual vehicles, which are more susceptible to wear and tear, especially on the clutch, may result in higher premiums.


Your geographical location affects your insurance cost, with areas prone to higher crime rates facing increased premiums due to the elevated risk of theft or vandalism.

Full-time or Part-time

Insurance providers adjust premiums based on whether an instructor works full-time or part-time, reflecting the varied levels of risk and vehicle use.

Cover Type

Opting for a comprehensive policy with all available specialist covers will naturally lead to higher premiums. However, it’s important to balance the need for comprehensive protection with budget constraints.

The cost of driving instructor insurance is influenced by a combination of the instructor’s status, the vehicle used for teaching, location, working hours, and the level of cover chosen.

Instructors are encouraged to carefully consider these factors and shop around to find a policy that offers the best value for their specific needs.

How Can I Lower My Premiums?

Reducing your insurance premiums as a driving instructor involves a few strategic considerations, from vehicle choices to enhancing security measures.

Choosing the Right Vehicle

Investing in a newer car can be a wise decision in the long run. New vehicles are typically more reliable and equipped with advanced safety features, which can lower the risk—and therefore the cost—of your insurance.

Given the increased rate of wear and tear that driving instructors’ vehicles undergo, a newer car might not only reduce your premiums but also decrease the frequency of replacements.

How Can I Lower My Premiums

Improving Vehicle Security and Storage

Enhancing the security and storage of your vehicle can significantly impact your insurance costs. Parking on the street is often viewed as higher risk by insurers.

Implementing measures like fitting an immobiliser or utilising a garage or driveway for parking can make your vehicle less of a target for theft and may lead to lower premiums.

Adjusting Your Excess

Consider increasing your excess to achieve lower premiums. This strategy involves you agreeing to pay a higher amount in the event of a claim, which reduces the insurer’s potential payout.

While this can offer immediate savings on your premiums, it’s a gamble that only pays off if you avoid making claims, as the higher excess could outweigh the savings if you do need to file a claim.

Seeking Out Discounts

For those seeking further reductions, exploring available discounts can be fruitful. Insurers often reward experienced and safe drivers with lower premiums, recognising the reduced risk they represent.

Providers like Total Insurance Comparison highlight that the longer you have been driving without claims, the more significant the discounts you might be eligible for.

Documenting your experience and claim-free years is crucial to accessing these discounts.

By carefully considering these strategies, from investing in a newer, safer car to enhancing your vehicle’s security and exploring discount opportunities, you can effectively lower your insurance premiums as a driving instructor.

What is Included in Driving Instructor Insurance?

Driving instructor insurance policies are designed to offer comprehensive cover that meets the specific needs of both Approved Driving Instructors (ADIs) and Potential Driving Instructors (PDIs).

Related:  Loveday Ryder: Our plans for 2023

These policies are highly customizable, allowing for additional coverage based on individual requirements, such as the number of vehicles owned and the level of protection desired.

Core Cover Features

The foundation of most driving instructor insurance policies includes a range of cover options tailored to the profession’s unique challenges and risks. While specific offerings can vary between providers, typical cover types available include:

  • Third-party, fire and theft, as well as comprehensive insurance, which are standard for personal car insurance but tailored for the professional risks faced by instructors.
  • Dual control car cover, which ensures that vehicles equipped with dual controls for teaching purposes are specifically protected.
  • Any driver cover, allowing learners to drive the vehicle with the appropriate insurance cover in place.
  • Liability insurance, which protects against claims made by students or third parties for injury or damage.
  • Negligent tuition cover, offering protection in the event that an instructor is found liable for incorrect instruction or advice.
  • Breakdown cover, ensuring that instructors are not left stranded, which is crucial to maintaining their teaching schedule.
  • Modified vehicle cover, for cars that have been adapted for driving instruction beyond standard dual controls.

Tailoring Your Policy

Given the diverse needs and operating conditions of driving instructors, the ability to customise your policy is invaluable.

This flexibility ensures that instructors can secure cover for additional risks, such as off-road driving (for under 17 driving lessons) and replacement vehicle cover, to keep the business operational if the primary teaching vehicle is out of commission.

When choosing driving instructor insurance, it’s essential to thoroughly assess your specific needs and ensure that your policy provides adequate protection for all aspects of your professional activities.

This approach not only safeguards your business but also supports the continuity and quality of the tuition you provide.

Getting the Insurance You Need

Choosing the right driving instructor insurance policy is akin to selecting a new car; it requires careful consideration of various factors to ensure it meets your specific needs.

This process involves identifying an insurance provider that can offer the coverage you require, within your budget, and with satisfactory customer support.

Getting the Insurance You Need

Choosing Your Insurance Provider

When selecting your insurance provider, several key factors should be considered to ensure you find a policy that aligns with both your professional needs and financial constraints.


Driving instructor insurance can be a significant expense, particularly for those just starting out or operating independently. It’s essential to balance the cost of the policy against the coverage offered.

Opting for the cheapest or the most comprehensive policy without considering your specific needs can lead to either inadequate protection or unnecessary expenditure.

Find a policy that offers the right balance of cost and cover for your current and anticipated future needs.


Before beginning your search, make a list of the cover types you consider essential, such as negligent tuition cover and personal accident cover.

This preparation will enable you to make a more informed choice, comparing different policies and providers based on the coverage most important to you.

Customer Service and Support

The quality of customer service and support offered by an insurance provider is crucial. You’ll want a provider that offers a robust support system, ready to assist you whenever needed.

The ability to easily get in touch for claims or enquiries is a significant factor in choosing a provider.

Payment Options

The cost is a primary concern for most instructors, making the availability of flexible payment options a key consideration.

Whether you prefer to pay your premium as a lump sum annually or in more manageable monthly instalments depends on your financial situation. Some insurers may also offer bi-annual payment plans.

Evaluate the payment options each policy offers, considering what will be most cost-effective and manageable for your finances.

By carefully considering these factors—expense, coverage, customer service, and payment options—you can choose an insurance policy that provides the protection you need at a cost you can afford, with the support you may require in the future.

Tips for Finding the Right Driving Instructor Insurance

As you embark on the journey to secure the perfect driving instructor insurance policy, it’s crucial to approach the task with diligence and clarity.

Related:  Driving examiner strike: December 2022 and January 2023

This section aims to guide you through the process, highlighting key steps to ensure you find a policy that meets your professional needs and personal circumstances.

Tips for Finding the Right Driving Instructor Insurance

Preparing to Get Quotes

Begin by listing down all the cover types relevant to your profession. This preliminary step will help you identify essential features to look for in a policy.

When you’re ready to gather quotes, you’ll typically need to complete online forms to provide insurers with the necessary information to tailor a quote to your specific situation. These forms usually ask for:

  • Personal details
  • Criteria for the policy
  • Vehicle information
  • Details for the driver(s) involved

Staying Calm and Focused

The search for the right insurance can feel overwhelming, given the plethora of options available. To avoid confusion and unnecessary stress, limit your initial inquiries to a top five list of providers.

This approach helps manage the influx of information and prevents the hassle of dealing with multiple calls from insurers.

Comparing Quotes

Even if the first quote appears to be the perfect fit, it’s important to compare it against others. Lay out the quotes from your selected top five insurers and scrutinize each one for differences in:

  • Payment options
  • Excess
  • Additional covers
  • Premiums

This comparison is crucial to understanding the value and comprehensiveness of each policy relative to its cost.

Seeking Clarification

Before making any commitments, thoroughly read through the policy details, paying close attention to the fine print.

If any aspect of the policy is unclear, do not hesitate to contact the insurer directly for clarification. Consider asking questions such as:

  • What payment options do you offer?
  • What is the excess on the policy?
  • Is a replacement vehicle provided in the event of a claim, and for how long?
  • How are incidents involving uninsured drivers handled?

Keeping a list of questions ready will ensure you cover all bases when discussing options with potential insurers.

By methodically assessing your needs, obtaining and comparing quotes, and clarifying any uncertainties, you can make an informed decision and select a driving instructor insurance policy that provides the right level of cover, meets your budget, and supports your professional activities effectively.

Frequently asked questions

Yes, driving instructor insurance is a necessity for teaching learners to drive. This guide has been compiled precisely because of its importance.

It’s vital to understand that this type of insurance is distinct from regular car insurance and specifically designed to meet the unique needs of driving instructors.

The cost of your driving instructor insurance varies significantly based on the provider you select, as some may offer lower premiums or discounts.

Additionally, the extent of cover you require will influence the overall price. To gain a clearer understanding of potential costs, it is advisable to request quotes for driving instructor insurance.

While having comprehensive cover is essential, it’s equally important to ensure that your premiums are affordable.

When selecting your policy, prioritise obtaining the cover that is absolutely necessary for your needs.

This approach helps avoid a scenario where the cost of your insurance significantly diminishes your earnings.

For those managing a driving school franchise with multiple instructors, it is advisable to consider fleet insurance.

This type of policy provides cover for all your instructors under a single plan, simplifying management and potentially offering cost benefits.

Paying for your insurance on an annual basis can often be more cost-effective over time, provided you are in a position of financial stability to afford it.

If making a lump sum payment is not feasible, opting for monthly installments is a suitable alternative.