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.
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.
About Driving Instructor Insurance
Flexible cover for driving instructors and driving schools
Tailored to the specific needs of your driving school.
Protection for dual control replacement cars
Comprehensive cover and off-road tuition cover.
Specialist driving instructor insurance
For ADIs, PDIs, driving schools, commercial tuition fleets and more.
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.
Find your insurance documents
and make sure you have all your information at hand, including your policy number
Call the claims team
on 0161 822 0922 and explain exactly what happened
Provide photos if requested
to help us understand what happened as quickly as we can
Driving Instructor Insurance FAQs
![Question]()
Which insurers do you use?
Which insurers do you use?
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?
Do you provide a dual control replacement vehicle for fault claims?
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?
Do you provide cover for the DSA Part 2, DSA Part 3 and the ADI Check Test?
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?
Can I cover a driver aged under 25 for social domestic and pleasure?
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?
I have other tuition vehicles; can these be covered on a single policy?
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?
Do you offer individual driving instructor insurance policies for a two-year period?
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?
Do you offer cover for advanced driving i.e. fleet driver development and trailer training?
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?
Where can I find more information about monthly Direct Debit?
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?
Can I add driving instructor professional indemnity and public liability to my policy?
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?
Are there any exclusions?
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.
Protect Other Things That Matter To You
Read Driving Instructor Insurance Articles
-
12 Tips to Tackle Vehicle Rental Crime
Doing all you can to keep your rental fleet secure is vital. We've put together 12 tips to help you tackle vehicle rental crime.
Read MoreNovember 01, 2017
-
A Risk Update for the Transport Industry
How many businesses can state they fully comply and operate a 100% safe business on and off the road?
Read MoreApril 22, 2015
-
Autonomous HGV Vehicles
With safety and efficiency ever more important, autonomous HGVs and driving aids are helping the haulage industry.
Read MoreNovember 15, 2020
-
Guide to Specialist Commercial Vehicle Insurance
Specialist commercial vehicle insurance can help to put your mind at ease if you run into trouble while operating your ice cream van, party bus, catering truck, or any other specialist commercial vehicle. Read on below to find out more about how this cover can assist you.
Read MoreOctober 29, 2018
-
How Driverless Vehicles Could Affect Your Truck Insurance
Driverless vehicles could be seen on UK streets undergoing strictly controlled trials in 2019. Read how this may affect your truck insurance.
Read MoreMay 29, 2019
-
Reduce the Risk: Occupational Road Safety for Your Vehicles
Learn how to create the right occupational road safety culture to ensure your fleet stays on the road - and reduce your transport insurance costs at the same time.
Read MoreAugust 08, 2017
-
Truck Insurance Guide
Read about the most common truck insurance features and exclusions in our product guide, and find out if you need to take out a policy.
Read MoreAugust 08, 2017
-
Vehicle Safety Features to Reduce Your Insurance Costs
Keeping drivers safe and insurance claims down is increasingly vital for transport operators. See how new commercial vehicle safety features can help.
Read MoreJune 23, 2016