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Driving Instructor Insurance With Convictions: What You Need To Know
If you have a driving conviction, you may worry that you cannot get driving instructor insurance. However, a driving conviction does not automatically mean you cannot get cover.
What Is Driving Instructor Insurance?
Driving instructor insurance is specialist motor insurance designed for people who use their vehicle to provide paid driving lessons. It can cover the instructor, their vehicle and, depending on the policy, learner drivers using the vehicle for tuition.
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Standard private car insurance does not necessarily provide the cover needed for paid driving instruction. If you are an Approved Driving Instructor (ADI), Potential Driving Instructor (PDI) or run a driving school, it's important to have insurance that reflects how you use your vehicle.
Who needs driving instructor insurance?
If you use your car to provide driving lessons in exchange for payment, you will generally need specialist driving instructor insurance.
This can include:
Approved Driving Instructors (ADIs) providing professional driving lessons
Potential Driving Instructors (PDIs) working towards becoming an ADI
Driving school owners with one or more instructors
Part-time driving instructors who provide lessons alongside another job
Instructors using dual-control vehicles for tuition
The type and level of cover you need will depend on your circumstances, the vehicle you use and the way you operate your business.
Why do driving instructors need specialist insurance?
Driving instructors face risks that don't normally apply to ordinary private motorists.
For example, an instructor may have a learner driver using their vehicle several times a day. A learner is also likely to have less driving experience than a typical named driver, which can affect the insurance risk.
An instructor may also use their vehicle for:
Driving tests
Personal use
Paid driving lessons
Commuting
Travelling between pupils
Specialist driving instructor insurance is designed to take the business use of the vehicle into account.
You should always check the terms, conditions and exclusions of a policy to make sure it provides the cover you need.
What does driving instructor insurance cover?
The exact cover depends on the policy and insurer, but driving instructor insurance can provide cover for the vehicle while it is being used for professional driving tuition.
Depending on the policy, this may include:
- Your Vehicle:
Your policy can protect your car against insured risks such as accidental damage, theft or fire. The level of protection will depend on whether you choose comprehensive, third-party fire and theft or another type of cover available to you.
- Learner Drivers:
Some driving instructor insurance policies can allow learners to drive the insured vehicle as part of their lessons.
This is particularly important because the risk associated with a learner driving your vehicle is different from simply having another experienced driver named on your policy.
- Driving Tests:
Some policies can provide cover while a learner is taking their practical driving test, subject to the policy terms.
It's important to check this before allowing a pupil to use your vehicle for a test.
- Dual Controls:
Many instructors use vehicles fitted with additional pedals and other equipment that allow them to intervene while teaching.
If your vehicle has been modified with dual controls, you should tell your insurer about the modification and check that your policy provides appropriate cover.
- Personal Use:
Depending on the policy you choose, you may also be able to use your vehicle for personal journeys outside of driving lessons.
The permitted use will be specified in your policy documents.
Is driving instructor insurance different from normal car insurance?
Yes. The key difference is how the vehicle is being used.
A standard private car insurance policy is generally designed around personal use, rather than using the vehicle to provide paid driving tuition.
Driving instructors should therefore make sure their insurer knows that the vehicle is being used for professional instruction.
Failing to disclose the correct use of a vehicle could affect whether a claim is covered.
Do ADIs and PDIs need different insurance?
ADIs and PDIs can both require specialist driving instructor insurance, but their circumstances are different.
An ADI is an Approved Driving Instructor who has completed the required qualification process and is registered to provide paid driving tuition.
A PDI, or Potential Driving Instructor, is working towards becoming an ADI and can provide paid tuition under the relevant rules.
The insurance available to you can therefore depend on whether you are an ADI or PDI, as well as factors such as your vehicle, experience, driving history and claims history.
If you're a PDI, make sure you tell the insurer about your current instructor status when obtaining a quote.
Looking for PDI instructor insurance?
Learn more about PDI insurance and what it covers.
How much does driving instructor insurance cost?
There isn't one standard price for driving instructor insurance.
Insurers consider a range of factors when calculating premiums, which can include:
Your age
Your driving experience
Your postcode
Your vehicle
Your annual mileage
Your claims history
Your driving convictions
Your no-claims history
Whether you're an ADI or PDI
How you use your vehicle
The level of cover you choose
This means two instructors with similar vehicles could receive very different insurance quotes.
What isn't covered by driving instructor insurance?
Driving instructor insurance does not automatically cover every situation.
Common exclusions or restrictions can relate to things such as:
Using the vehicle for purposes that aren't permitted by the policy
Undeclared modifications
Certain drivers
Uninsured or excluded activities
Wear and tear
Mechanical breakdown, depending on the policy
Personal belongings
Certain types of business activity
Read:
What Does Driving Instructor Insurance NOT Cover?
How do I choose driving instructor insurance?
When comparing driving instructor insurance, don't look at the premium alone.
Consider whether the policy provides the cover you actually need as an instructor.
You may want to check:
The precise exclusions vary between policies, so always read your policy wording rather than assuming something is covered.
Does it cover paid driving tuition?
Can learners drive the vehicle?
Is the vehicle covered during driving tests?
Are dual controls covered?
Can I use the vehicle for personal journeys?
What happens if I need to make a claim?
What excess would I need to pay?
Are there any restrictions on who can drive the vehicle?
Does the policy provide the additional covers my business needs?
The cheapest policy isn't necessarily the most suitable if it doesn't provide the cover you require.
Get a driving instructor insurance quote
If you're an ADI, PDI or driving school looking for specialist insurance, BG Insurance can help you compare your options.
We specialise in insurance for driving instructors and understand that every instructor's circumstances can be different.
Save on your Driving Instructor insurance
Join over 9,000 driving professionals who trust BG Insurance to protect their livelihood.
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