What Insurance Does An ADI Need?

The cover you need will depend on your circumstances, including the vehicle you use, how you use it and the level of protection you require.

What is an ADI?

If you're an Approved Driving Instructor (ADI), having the right insurance is an essential part of providing professional driving tuition. ADI insurance is designed for instructors who use their vehicle to teach learner drivers and provide paid driving lessons.

The cover you need will depend on your circumstances, including the vehicle you use, how you use it and the level of protection you require.

Do ADIs need specialist insurance?

Yes. If you're using your vehicle to provide paid driving instruction, you need insurance that permits professional driving tuition.

A standard private car insurance policy is generally designed around personal use and may not provide the cover required for teaching learner drivers.

When arranging your insurance, make sure your insurer knows that you're an ADI and that your vehicle will be used for professional driving tuition.

What does ADI insurance cover?

The exact cover available will depend on the policy and insurer. However, ADI insurance can provide cover for your vehicle while it is being used for professional driving tuition.

Depending on the policy, this may include:

Always check your policy wording to understand exactly what is and isn't covered.

Can an ADI use their own car for driving lessons?

Yes. An ADI can use their own vehicle to provide driving lessons, provided the vehicle meets any relevant requirements and the insurance policy allows it to be used for professional tuition.

If you're using a vehicle you already own, don't assume that your existing car insurance automatically covers driving instruction.

Tell your insurer how the vehicle will be used before you start providing lessons.

Does ADI insurance cover learner drivers?

ADI insurance can allow learner drivers to use the insured vehicle during professional driving lessons, subject to the terms and conditions of the policy.

This is one of the key reasons specialist instructor insurance is important. A vehicle used to teach learner drivers has a different risk profile from a car being used solely for private purposes.

Check your policy to understand who can drive the vehicle and under what circumstances.

Does ADI insurance cover driving tests?

Some ADI insurance policies can cover a learner using the instructor's vehicle during their practical driving test.

However, this isn't necessarily included with every policy. Before allowing a pupil to use your vehicle for their test, check that your policy provides the appropriate cover.

Are dual controls covered?

Many driving instructors use vehicles fitted with dual controls, which allow the instructor to operate additional pedals while teaching.

If your vehicle has been modified, you should tell your insurer about the modifications when arranging your policy.

Whether dual controls and other modifications are covered will depend on the insurer and policy terms.

If you're buying a vehicle that already has dual controls fitted, provide accurate information about the vehicle and its modifications when obtaining your quote.

Does ADI insurance include personal use?

Some policies can include personal use alongside professional driving tuition.

This may allow you to use your vehicle for permitted personal journeys outside of your working hours.

The amount and type of personal use available will vary between policies, so check your policy documents to understand what use is permitted.

Does ADI insurance cover commuting?

Whether commuting is included will depend on the policy you choose and how you use your vehicle.

For example, your circumstances may involve travelling between your home and a fixed workplace, or travelling directly between pupils.

Make sure you provide accurate information about how you use your vehicle when obtaining a quote and check that your policy reflects your actual circumstances.

How much does ADI insurance cost?

There isn't a standard price for ADI insurance.

Insurers consider a range of factors when calculating your premium, including:

This means the cost of ADI insurance can vary significantly between instructors.

Can an ADI get insurance with points on their licence?

Having penalty points or driving convictions doesn't automatically mean you cannot get ADI insurance.

However, convictions can affect the insurers available to you and the premium you're offered.

Always declare relevant convictions and points accurately when obtaining a quote. Failing to provide accurate information could affect your policy or a future claim.

Does an ADI need public liability insurance?

Motor insurance and public liability insurance provide different types of protection.

Your motor insurance is designed to cover risks associated with your vehicle and its permitted use. Public liability insurance can provide protection against certain claims involving third-party injury or damage to property arising from your business activities.

Whether you need public liability insurance will depend on your circumstances and the risks associated with your business.

If you're unsure what additional business insurance you may need, it's worth discussing your circumstances with an insurance professional.

What other insurance might an ADI need?

Motor insurance is likely to be one of the most important forms of insurance for an ADI, but it may not cover every risk associated with running a driving instruction business.

Depending on your business, you may also want to consider:

Not all of these will be appropriate for every instructor, and some may already be included within your policy or available as optional extras.

Always check what your existing policy provides before purchasing additional cover.

How do I choose ADI insurance?

When comparing policies, don't base your decision solely on the price.

The cheapest policy isn't necessarily the most suitable if it doesn't provide the cover you need as an instructor.

Before choosing a policy, consider:

Providing accurate information about your vehicle, driving history and how you use it will help ensure you are quoted for appropriate cover.

Get ADI insurance with BG Insurance

As an Approved Driving Instructor, your vehicle is an important part of your business. Having appropriate insurance can help protect you against the risks associated with providing professional driving tuition.

BG Insurance specialises in insurance for driving instructors and can help ADIs explore their insurance options based on their individual circumstances.