When you’re a driving instructor, your vehicle is more than just a mode of transportation—it’s your livelihood. That’s why having specialised insurance coverage is essential to protect both your business and your clients.
In this blog, we’ll explore why driving instructors need specialised insurance and how the right policy can protect your business.
Financial Exposure from Inadequate Coverage
Driving instructors face different risks compared to regular drivers. Your vehicle is used for teaching, which involves regular stop-start driving, inexperienced drivers, and the possibility of dual controls.
Many instructors assume their personal car insurance will cover all incidents, but this is often not the case. Regular policies typically exclude business use, meaning you could be left out of pocket in the event of a claim. Driving instructor insurance is specifically designed to cover the risks of teaching learners. It can include features like dual control coverage and protection if a learner driver is at fault. Speak to a broker to ensure your policy covers all your professional needs.
Legal and Regulatory Compliance
Driving instructors are held to different legal standards than regular drivers. Depending on where you operate, there may be specific insurance requirements, such as public liability coverage, which protects you if a third party makes a claim for injury or property damage during a lesson.
Operating without sufficient business insurance can lead to fines, penalties, or even suspension of your driving instructor license in some cases. While public liability insurance is not mandatory, it is recommended to protect you from potential claims. Ensure your policy meets the regulatory requirements for driving instructors, and consider working with a specialised insurance broker to help you stay compliant and avoid legal complications.
Business Disruption from Lack of Protection
What happens if your vehicle is involved in an accident and is off the road for repairs? Without the right coverage, you could face days or even weeks of downtime, losing valuable income in the process. If your insurance doesn’t include vehicle replacement or loss-of-use protection, your business could be severely impacted.
Trust BG Insurance for Your Specialised Coverage
At BG Insurance, we understand the unique risks driving instructors face. We’ll work closely with you to craft an insurance policy that covers every angle, ensuring your business is protected. Don’t leave your livelihood at risk—get your quote today to get the right coverage for your business.