Driving Instructor Insurance

What is driving instructor insurance?

If you are teaching new drivers how to operate a vehicle for the very first time, having adequate cover for your business is crucial. Not only will a driving school insurance policy help protect your car if you run into any problems on the road, it also provides cover for others around you. We understand the importance of protecting your livelihood in the event of something unexpected happening during a lesson.

Why do I need driving instructor car insurance?

All driving instructors in the UK are required to have driving instructor insurance by law. If you are a driving school teacher, you need a completely different type of cover to other road users. As well as the standard types of cover such as social, domestic and personal use, driving instructors are required to have certain additional features attached to their policy. Our experienced and long standing team will be able to discuss these options with you.

Learner drivers increase the risks on the road due to their inexperience. No matter how quickly they learn, they still don’t have the number of driving hours and real-world experience that you have.

What does a driving school insurance policy cover?

When taking out a driving instructor insurance policy, it’s not just accidental coverage you need to consider. Just as a technology business relies on its computers being functional to ensure the money is coming in, your car is your livelihood and must be covered should anything happen. If you’re in an accident, your car breaks down or it needs a prolonged service, you won’t be able to teach your students, which can be problematic.

At Gallagher, our comprehensive motor insurance is suitable for potential driving instructors (PDIs) and approved driving instructors (ADIs). As standard, this insurance policy includes:

• A courtesy replacement dual-control vehicle following an accident*
• Negligent driving tuition
• Off-road tuition for learner drivers aged 14 and above
• Banned or convicted drivers retaking their driving tests
• Personal accident cover
• ADI test cover

* Subject to using an Aviva-approved repairer.

Speak to one of our specialist team about spreading the cost of your driving instructor insurance and applying for finance to fund your premium through our trusted partner Close Premium Finance.

How can Gallagher help my driving school?

Our comprehensive driving instructor car insurance offers a range of cover as standard and could help keep your business on the road in the event of a claim.

As a general rule of thumb, driving instructor insurance policies incorporate compulsory cover types such as any driver cover or hire and reward cover, both of which are required by law. When speaking with our helpful team, they will be able to identify if there are any additional cover that may be suitable for your business. The beauty of our business is that we can tailor and modify the driving instructor car insurance policy to suit you.

At Gallagher, we are pleased to offer one of the leading insurance products for driving instructors and driving schools, underwritten by Aviva (one of the UK’s largest insurers). An effective driving instructor insurance policy can help to protect your vehicle, yourself and your business – as well as your livelihood. Our helpful team will discuss your needs and recommend the driving instructor car insurance cover you need.

What are the optional extras for driving instructors?

You may want to add RAC breakdown cover should you require recovery if you’re involved in an accident during a lesson. Unfortunately, accidents do happen, but this addition means you’ll be able to get roadside recovery to repair your car and get you and your student home safely.

Dependant on your requirements we could recommend ‘Club Gold’ cover which includes increased personal accident cover; increased medical expenses insurance; and higher cover for personal belongings.

What if I need to make a claim?

We’ll provide professional support for the handling of any driving school insurance claim you make, including advising you and liaising with the insurer. You’ll have an experienced named claims handler within our own internal claims team, who will work hard to try and get you the settlement you deserve.