Driving Instructor Insurance

Why choose Howden for driving instructor insurance?

Howden are in partnership with InstructorcoverPlus, our specialist provider of driving instructor insurance.

As a specialist motor insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to. This is no different when it comes to helping you get your driving instructor insurance. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing various, flexible cover options, on your behalf, easy, simple, and straightforward. What’s not to like?

With Howden, you'll get unrivalled customer service and our team will provide you with a competitive quotation for your driving instructor insurance which includes benefits such as 24 / 7 accident management and a dual controlled courtesy car.

You'll also have the choice to spread the cost of your policy with our flexible payment options, allowing you to budget for your business effectively.

What's covered under a driving instructor insurance policy:

• Breakdown cover
• Excess protection
• Replacement vehicle cover
• Legal expenses cover
• Public liability insurance
• Employers’ liability insurance (for driving school business owners)
• Protection for both ADI and PDI instructors

What is driving instructor insurance?

Driving instructor insurance does what it says on the tin; it’s an essential insurance policy for those who make a living by teaching others how to drive.

It helps protect driving instructor’s assets, their livelihood, and their learner drivers by providing financial coverage in the event of accidents, injuries, or other unforeseen incidents that may occur during driving lessons.

What insurance do driving instructors need?

Driving instructors need specific driving instructor insurance cover to protect themselves, their students, and their vehicles while providing driving lessons. The type of insurance they require typically includes the following:

• Dual control car insurance: this is the primary insurance that driving instructors need. It ensures that both the instructor and the student are protected in case of an accident, whilst also allowing the instructor to control the vehicle from the passenger side during lessons, enhancing safety. Dual control replacement vehicle insurance is also available.
• Public liability insurance: covers instructors against claims made by third parties (e.g., pedestrians, other drivers) for injury or property damage resulting from their driving lessons.
• Professional indemnity insurance: protects against claims made by their students for any alleged negligence, errors, or omissions during the training process. It covers the cost of legal defence and any compensation that may be awarded to the student if the instructor is found liable.
• Personal accident insurance: provides coverage to the driving instructor in case they are injured during a driving lesson. It may offer financial assistance for medical expenses, loss of income, or disability resulting from the accident.
• Business interruption insurance: helps driving instructors cover their fixed expenses (e.g., rent, salaries, utilities) if they cannot work due to a covered incident.
• Legal expenses insurance: helps cover legal costs associated with disputes or claims arising from accidents, injuries, or other incidents related to the driving instruction business.
• Breakdown cover: this can provide cover in the event that your teaching vehicle breaks down and needs transporting to a garage. This is an additional cover option.

As with any insurance, it's crucial that you carefully review policy terms, coverage limits, and exclusions before purchasing. By consulting with us, we can offer you some guidance on what is and isn’t covered in a particular driving instructor car insurance policy, and which insurer’s quotes could be more aligned to your personal requirements.

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Specialist ADI and PDI insurance

Both qualified and trainee driving instructors need insurance before they get out on the road. Courtesy of InstructorCoverPlus, we’re able to provide both types of policies.

ADI Insurance (Approved Driving Instructor)

Once you’re a fully qualified instructor, ADI insurance provides comprehensive protection tailored for professional teaching.

Approved driving instructors insurance It covers your own vehicle (including accidental damage, fire, or theft), windscreen repairs, and provides a dual-controlled courtesy car if yours is off the road. You also get 24/7 accident management, uninsured driver protection, legal expenses, and public liability cover up to £2 million – essential for instructor work.

PDI Insurance (Prospective Driving Instructor)

Are you an instructor-in-training preparing for your full qualification? You need PDI insurance, which functions like ADI cover but for trainee instructors, offering comprehensive motor insurance, 24/7 claims assistance, dual-control protection, and optional add-ons to keep both trainee and pupils covered.

PDI Driving instructors can seamlessly transition into ADI insurance under the same policy, avoiding any coverage gaps.

Driving instructor insurance vs. standard car insurance: how do they differ?

A driving instructor insurance policy needs to differ from regular car insurance, because of professional services provided by driving instructors.

Typical car insurance plans provide coverage for drivers during everyday activities like personal and domestic use, whereas for driving instructors, their insurance policy must encompass extra considerations. Because driving instructors provide a service, such as they are required to have "hire and reward" coverage and a higher level of accident coverage compared to standard drivers.

If you’re still unsure on how driving instructor insurance differs from standard motor insurance, give us a call, and we can provide some further clarity on this.