Driving Instructor Insurance

Award winning, flexible insurance cover for approved driving instructors (ADIs), potential driving instructors (PDIs), driving school fleet, commercial vehicle tuition fleets and dual control contract hire vehicle operators. We also offer driving instructor professional indemnity cover, dual control replacement car as well as GAP and breakdown cover.

01603 753888

Monday-Friday 9am-6pm; Saturday 9am-1pm

Email us for a call back

About Driving Instructor Insurance

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Flexible cover for driving instructors and driving schools

Tailored to the specific needs of your driving school.

Car

Protection for dual control replacement cars

Comprehensive cover and off-road tuition cover.

Property

Specialist driving instructor insurance

For ADIs, PDIs, driving schools, commercial tuition fleets and more.

Direct Debit

Pay by Direct Debit

You can split driving instructor insurance payments into instalments.

Features of Driving Instructor Insurance

Standard cover

Any driver cover

It is essential for your policy to be issued on an any driver basis as this allows you to teach any licensed driver on the road, irrespective of previous driving experience or other risk factors. This also allows the examiner to drive, if required, as you will not be able to provide pupil details to your insurer prior to them taking their test.

Negligent tuition cover

This liability cover protects you and your driving school against a claim brought against you due to an injury suffered by your pupil through some negligence on your behalf. We also extend this cover to protect any other instructor to whom you have provided a vehicle which is insured under your policy.

Replacement dual control vehicle cover

Most standard transport insurance products will only offer you a non-dual controlled car in the event of a non-fault incident, meaning you’re unable to continue working. At Towergate, our driving instructor insurance will supply you with a guaranteed dual control replacement car within 24 hours to enable you continue teaching and sit any pre-booked driving tests.

Off road drivers aged 14+

Some driving instructor insurance policies provide extended cover to allow you to teach off road, pupils who are aged 14 or over. This cover is only provided where it can be evidenced that the land you’re using the vehicle on does not form part of the Road Traffic Act 1988, meaning it is not a restricted byway.

Additional cover

Driving instructor professional indemnity cover

This cover provides cover for injury or damages caused whilst carrying out your business activities as a driving instructor whilst away from the vehicle. We can also include cover for crisis containment.

Commercial vehicle training Insurance

We have a bespoke scheme specially written for commercial vehicles used to undertake tuition or used as part of the CPD requirement. These can include but are not limited to HGVs, forklifts, minibuses, coaches and vans.

Fleet insurance

We can provide driving school or dual control leasing fleet insurance for fleets of five vehicles and over. We use a panel of insurers to find you the cover and price to suit your individual needs.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0800 040 7772 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim

Driving Instructor Insurance FAQs

Question

Which insurers do you use?

Answer

We use a panel of insurance companies and Lloyds Syndicates which includes the following: Royal & Sun Alliance, Aviva, Chaucer, Equity Red Star, KGM, Ageas and Zurich.

Question

Do you provide a dual control replacement vehicle for fault claims?

Answer

MSL provide a replacement dual control car following an accident (whether your fault or otherwise), fire, theft and malicious damage for an unlimited period - subject to payment of an additional premium for this cover.

Question

Do you provide cover for the DSA Part 2, DSA Part 3 and the ADI Check Test?

Answer

Yes, our insurers provide comprehensive cover for the DSA Part 2, DSA Part 3 and the ADI Check Test if you hold an annual policy with us, we can provide appropriate cover for the duration of the test. 

Question

Can I cover a driver aged under 25 for social domestic and pleasure?

Answer

Our insurers do not provide any cover for drivers under 25 years of age for social domestic and pleasure purposes under individual driving instructor insurance policies. 

Question

I have other tuition vehicles; can these be covered on a single policy?

Answer

If you have between 1 and 4 vehicles, these will need to be insured separately. If you have 5 of more vehicles, we may be able to offer you fleet insurance for your driving school.

Question

Do you offer individual driving instructor insurance policies for a two-year period?

Answer

No, we do not offer single vehicle insurance policies for periods longer than 12 months as we wish to re-assess your demands and needs each year to make certain we are providing the most suitable policy and take into account any discounts we have negotiated during the year.

Question

Do you offer cover for advanced driving i.e. fleet driver development and trailer training?

Answer

Yes, we offer a range of additional covers and benefits which include (for an additional premium) the ability to provide comprehensive cover for trailers, as well as driving other cards during fleet driver development training.

Question

Where can I find more information about monthly Direct Debit?

Answer

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Question

Can I add driving instructor professional indemnity and public liability to my policy?

Answer

Yes, you can opt in to taking an additional policy with your driving instructor car insurance policy which will cover £5 million Public Liability and £10 million Professional Indemnity. We can also take out separate policies for large groups. 

Question

Are there any exclusions?

Answer

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to your insurance product information document and policy wording, which are available during the quotation process.