Driving Instructor Insurance

As the UK’s leading provider of driving instructor insurance, our award winning service provides access to a panel of 6 insurance providers

  • We can include protection for dual control replacement cars, comprehensive cover and off-road tuition cover
  • Providing specialist driving instructor insurance to Approved Driving Instructors (ADIs), Potential Driving Instructors (PDIs), driving schools, commercial tuition fleets and dual control contract hire vehicle operators
  • We also now provide tuition insurance for HGV Trainers, Minibus Trainers, Trailer Training, Category H Tuition, and Forklift Trucks in addition to mixed commercial vehicle training fleets

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01603 753 888
01603 753 888

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Read on for more info regarding our driving instructor insurance:

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 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.

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, 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.

Driving Off Road Driver 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.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Driving Instructor Insurance Claims

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.

Driving instructor insurance claims

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.

01603 753 888

Driving Instructor Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your insurance.

driving lesson instructor student pass

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DVLA License Validation

To reduce risk in your car hire business, it’s a good idea to thoroughly check each of your customer’s licenses to make sure they are who they say they are and ensure that their license is not fraudulent. Doing so will in turn give you a better idea of who you can trust with your cars.

what is public liability thumb

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What Is Public Liability?

As part of our liability insurance video series this video looks at what public liability insurance is. Watch to learn how it protects the public and keeps your business safe. Check out the video to find out more...

Driving Instructor Insurance FAQs

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.

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.

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. If you do not currently hold an annual policy with us, we can provide appropriate cover for the duration of the test.

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.

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 on separately. If you have 5 or more vehicles we may be able to offer you fleet insurance for your driving school.

Do you offer individual driving instructor insurance policies for a 2 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 competitive premium.

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 comprehensive driving other cars for use during fleet driver development training.

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.

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.

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