Understanding Driving Instructor Insurance
Driving instructor car insurance is typically more expensive than standard private motor insurance. This is because additional covers are required that are not included in private motor insurance policies.
Before becoming an approved driving instructor, a potential driving instructor must complete three tests set by the DVSA to obtain the PDI licence.
The Cost Factors and Reducing Premiums
Professional liability coverage limits for instructors average around $1 million per occurrence, with higher limits costing more. How much you pay depends on factors like age—drivers aged 17-24 generally pay more due to higher risk—and car model—more expensive, powerful cars have higher premiums.
Unlike basic car insurance, instructor policies require extras like "any driver" coverage to teach licensed learners regardless of their experience, enabling examiners to drive if needed, too. The more additional cover chosen, the more expensive the policy. Potential ways to reduce premiums include:
- Comparing multiple insurance companies to find the cheapest rates and best plan for your needs, as costs vary.
- Accelerating graduation from a PDI to an ADI, as qualified instructors may pay less.
Summary and Key Points
In summary, instructor car insurance is likely pricier due to higher risks. But policy costs can vary among providers based on coverage types. The essentials are "any driver" and professional liability insurance. Comparing options while evaluating your specific needs as an instructor can help find an affordable policy.