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Read on for more info regarding our driving instructor insurance:
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.
This liability cover protects you and your business 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.
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, the policies we provide 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.
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.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
We understand how important it is to get your vehicle back on the road following a claim, and therefore have partnered with multi award winner MSL who provide a 24-hour in house total incident management service. MSL will handle all aspects of your claim, such as reporting the incident to your insurer and providing you with a replacement dual controlled vehicle. Your claim will be managed throughout, all you need to do is make one phone call to MSL and they will manage the entire process.
For the second year running MSL Financial & Legal has been shortlisted for Insurance provider of the year (Eclipse Proclaim Awards). Past achievements have seen MSL as winners of Legal Expenses provider of the year 3 times and ULR provider of the year once.
Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
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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.
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.
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. If you do not currently hold an annual policy with us, we can provide appropriate cover for the duration of the test.
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.
If you have between 1 and 4 vehicles, these will need to be insured on separately. If you have 5 or more vehicles we may be able to offer you fleet insurance for your driving school.
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 competitive premium.
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 comprehensive driving other cars for use during fleet driver development training.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.
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.
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