Driving School Insurance

Our policies can include coverage for classroom-based theory instruction, including public liability for students on your premises and professional indemnity for theory teaching.

Yes, we can include coverage for accompanying students to their driving tests, including liability protection during the test journey and waiting periods.

We can arrange coverage for home-based driving schools, including public liability for students visiting your property and business equipment stored at home.

Yes, our policies can be tailored to cover intensive driving courses, including extended daily instruction periods and accelerated learning programs.

Our policies cover both automatic and manual dual control vehicles, with appropriate coverage for the different risk profiles and equipment requirements of each.

Yes, we can arrange coverage for specialist instruction including motorway lessons, Pass Plus courses, advanced driving instruction, and defensive driving training.

Business interruption coverage can provide financial support if you're unable to teach due to illness or injury, helping cover ongoing expenses and lost income.

We offer competitive pricing and may provide discounts based on factors like claims history, safety records, instructor qualifications, and length of operation.

We can often arrange immediate coverage once your application is approved, ensuring you're protected from the moment you start teaching.

You'll typically need ADI registration details, vehicle information, business turnover figures, claims history, and details of your teaching operations and premises.

Absolutely. We can adjust your coverage as you add vehicles, employ more instructors, or expand your services, ensuring your insurance grows with your business.

Cyber insurance covers data breaches involving student information, system failures, cyber attacks, and business interruption from IT issues, plus legal costs and notification expenses.

Yes, we can arrange coverage for driving schools that also provide services like vehicle hire, driver assessment, fleet training, or corporate driver education programs.

Our claims process is straightforward - contact us immediately after an incident, and we'll guide you through the process, liaising with all parties to resolve claims quickly and fairly.

Standard exclusions may include criminal activities, intentional damage, racing, and some pre-existing conditions. We'll clearly explain all exclusions when providing your quote.

We can discuss multi-year arrangements and potential discounts, though annual reviews are often beneficial to ensure your coverage remains appropriate as your business evolves.

Monthly driving instructor insurance costs typically range from £80-£200 depending on factors like vehicle type, location, experience, claims history, and coverage levels. New instructors may pay higher premiums initially.

Dual control car insurance is specialized motor insurance for vehicles fitted with additional pedals and controls for driving instruction. Standard car insurance doesn't cover the unique risks and modifications of dual control vehicles used for teaching.

Yes, public liability insurance is essential for driving instructors to protect against claims from third parties who may be injured or have property damaged during lessons, including pedestrians, cyclists, and other motorists.

ADI insurance covers dual control modifications, higher risk exposure from learner drivers, professional liability for instruction quality, business equipment, and specialized vehicle use that standard car insurance excludes.

While not legally required, teaching without professional indemnity insurance is risky. It protects against claims alleging poor instruction, discrimination, or failure to prepare students adequately for their test.

New driving instructors should get comprehensive coverage including dual control vehicle insurance, public liability, professional indemnity, and business interruption insurance. We offer competitive rates for newly qualified ADIs.

Yes, comprehensive driving school insurance covers accidents caused by students during lessons, including damage to your vehicle, third-party claims, and injury compensation, subject to policy terms.

Franchise driving instructors may need separate insurance or be covered under the franchise's master policy. We can arrange appropriate coverage whether you're employed, self-employed, or operating under a franchise agreement.

Intensive driving course insurance requires enhanced coverage for extended daily instruction, higher mileage, increased accident risk, and potentially overnight accommodation liability if offering residential courses.

Yes, we provide driving instructor insurance for electric and hybrid dual control vehicles, including coverage for charging equipment, battery damage, and the specialized modifications required for instruction.

Business interruption insurance covers lost income if you can't teach due to vehicle damage, illness, premises issues, or other insured events, plus ongoing expenses like loan payments and rent.

Theory test training can be included in your driving school insurance through public liability and professional indemnity extensions, covering classroom instruction and computer-based learning facilities.

Driving instructor trainers need enhanced professional indemnity insurance, public liability for training premises, employers liability if employing staff, and specialized coverage for instructor development programs.

A clean claims history can significantly reduce premiums, while multiple claims may increase costs. We work with insurers who understand the driving instruction industry's unique risk profile.

Individual driving instructor insurance covers sole traders, while driving school insurance covers businesses with multiple instructors, vehicles, and premises, often including employers liability and enhanced coverage limits.

Yes, we offer flexible insurance for part-time driving instructors with coverage options that reflect reduced teaching hours and mileage, making insurance more affordable for occasional instruction.

Pass Plus instruction requires standard driving instructor insurance plus coverage for motorway driving, night driving, and adverse weather conditions, which may need specific policy endorsements.

Yes, our policies can include coverage for accompanying students to driving tests, including liability during the journey, waiting at test centres, and any incidents during the test period.

Driving schools need cyber insurance covering student data breaches, online booking system failures, payment processing security, and business interruption from cyber attacks or system failures.

Fleet insurance for driving schools covers multiple dual control vehicles under one policy, often providing cost savings and simplified administration compared to individual vehicle policies.

Business equipment insurance covers theft of dual control modifications, roof signs, teaching materials, tablets, and other equipment essential to your driving instruction business.

Home-based driving instructors need public liability for students visiting their property, business equipment coverage, and may need to inform their home insurer about business use.

The cheapest option depends on your circumstances, but basic third-party cover for dual control vehicles starts from around £80 monthly. However, comprehensive coverage offers better protection for your business.

Yes, no claims bonus protection is available for driving instructors, helping maintain lower premiums even after a claim, though this may increase your annual premium slightly.

Automatic driving instructors need the same comprehensive coverage as manual instructors, but may benefit from slightly lower premiums due to reduced accident risk with automatic transmissions.

Younger instructors typically pay higher premiums due to perceived higher risk, while experienced instructors over 25 with clean records often qualify for reduced rates and better terms.

Premises liability insurance covers accidents on your driving school property, including slips, trips, falls, and injuries to students, visitors, or staff on your business premises.

Yes, temporary or short-term driving instructor insurance is available for covering other instructors' vehicles, holiday cover, or trial periods, typically from 1 day to 6 months.

Trainee driving instructors (PDIs) need specialized insurance covering supervised instruction periods, with coverage that transitions to full ADI insurance upon qualification.

To claim, contact us immediately on 0330 127 2333, provide incident details, gather evidence, and we'll guide you through the process, liaising with all parties to resolve claims efficiently.