Driving instructor car insurance is typically more expensive than standard private motor insurance because it includes additional covers. A potential driving instructor (PDI) must complete three tests set by the DVSA to obtain the pink PDI licence.
Finding the Right Insurance
Finding suitable driving instructor car insurance can be difficult, especially since instructing young 16-year-old drivers puts the car at extra risk. Other instructors can be valuable resources for information on insurance companies and policies. Liability coverage limits for instructors typically average $1 million per occurrence. Professional liability insurance is critical, as not having sufficient protection can result in significant financial losses if mistakes occur.
For learner drivers, there is no need for separate insurance when taking lessons with an insured instructor. The cost for learner driver insurance varies depending on factors like age and the car model.
Reducing Insurance Costs
To potentially reduce insurance premiums, consider:
- Comparing multiple insurance companies.
- Accelerating the progression from PDI to ADI, as costs may decrease for fully-qualified instructors.
The best car for a driving instructor isn’t explicitly mentioned, but instructors should seek vehicles that keep insurance costs in check while being suitable for students. Instructor policies should include "any driver" coverage and account for their specific needs to find affordable yet adequate policies.
How much driving instructor insurance costs in the UK isn’t specified, but it is acknowledged to be more expensive due to the additional coverage required. Costs vary among providers, so it is advised to compare policies and consider essential coverages carefully.