As a driving instructor or school owner, choosing the right insurance affects both cost and convenience. Two of the most common options for covering teaching vehicles are named driver policies and any driver policies. Understanding how each works can help you reduce expenses and avoid gaps in cover.

What Is a Named Driver Driving Instructor Insurance Policy

A named driver driving instructor insurance policy lists the specific individuals who can drive the insured vehicle. Only the drivers named on the policy are covered for teaching learners. This option is popular with independent instructors and smaller driving schools that have a stable team.

Benefits of Named Driver Policies

• Lower premiums – Insurers often charge less because they know exactly who will be driving.

• Tailored risk assessment – Drivers with clean records can help keep costs down.

• Simple administration – If your team rarely changes, updating the policy is straightforward.

Limitations of Named Driver Policies

• Less flexibility – Anyone not listed on the policy is not insured to teach in the vehicle.

• Extra admin when staff changes – Adding or replacing instructors mid-term can delay lessons or cost more.

For driving schools with long-term staff, a named driver instructor insurance policy can be cost-effective, but it may not work well for expanding teams.

What Is an Any Driver Driving Instructor Insurance Policy

An any driver policy for driving instructors allows anyone who meets the insurer’s basic requirements to drive the insured vehicle. Usually, this includes any qualified instructor and sometimes learner drivers under supervision.

Benefits of Any Driver Policies

• Flexibility – Any approved instructor can drive any vehicle on the policy.

• No delays – Lessons can continue if an instructor is off sick or a car needs to be swapped.

• Simplified management – You do not need to update the policy every time a new instructor joins.

Limitations of Any Driver Policies

• Higher premiums – Insurers price for the wider risk of unknown drivers.

• Less control – You rely on the insurer’s basic eligibility rules rather than naming individuals.

Growing driving schools often choose any driver fleet insurance for convenience, even if it costs slightly more.

Cost Factors for Named Driver vs Any Driver Instructor Insurance

Premiums for driving instructor insurance UK depend on several shared factors, including:

• Driver age and experience

• Accident and claims history

• Number and type of dual control vehicles

• Teaching locations and annual mileage

• Additional cover such as public liability or breakdown assistance

For named driver policies, insurers price each instructor individually. Clean driving records can bring lower rates.
For any driver policies, premiums are generally higher because insurers must account for the unknown risk of new or replacement instructors.

How Driving Schools Choose Between Named and Any Driver Cover

The right choice depends on how your business operates:

• Solo instructors or small stable teams often save money with named driver policies.

• Schools with multiple vehicles and rotating staff benefit from any driver flexibility.

• Businesses planning to grow may prefer any driver policies to avoid frequent changes.

It is worth comparing both options if your school is adding vehicles or hiring new instructors.

Additional Cover to Combine with Either Policy

Both named driver instructor insurance and any driver driving school insurance can include other important protections:

• Public liability insurance – Covers injury or property damage caused by your lessons.

• Replacement vehicle cover – Keeps lessons running if a car is damaged or written off.

• Legal expenses cover – Helps with defence costs if a claim is made against you.

• Business interruption cover – Protects income if your teaching schedule is disrupted after an accident.

A specialist broker can help tailor these extras to match your risk profile and teaching model.

Why Comparing Specialist Driving Instructor Insurers Matters

Not all insurers understand the unique risks of driver training. Some general motor policies exclude cover if a car is used for paid tuition. A broker specialising in driving instructor insurance can:

• Compare named driver and any driver policy costs side by side

• Ensure public liability and legal expenses protection is included

• Advise on cover levels as your fleet or team grows

• Help with claims and changes during the policy year

Using a specialist saves time and ensures you have the right protection at a fair price, get your driving instructor insurance quote today.