Driving Instructor Insurance

Let us help you find our best value driving instructor insurance policy that not only keeps you covered, but also suits you and your work lifestyle.

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Why choose Howden for Driving Instructor Insurance?

Howden is the new name for A-Plan. As a specialist motor insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to. This is no different when it comes to helping you get your driving instructor insurance. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing various insurance policies, on your behalf, easy, simple, and straightforward. What’s not to like?

We at Howden also acknowledge that each policy needs to be as individual as its owner, and that’s why we provide a bespoke, personalised service, focused on getting to know you and learning more about what you want from your driving instructor cover.

Ultimately, whether you need to make a claim, purchase a new motor policy, or renew an existing one, just know we’re here to help.

Benefits of working with us:

  • You can trust us – we’re rated Excellent on Trustpilot.
  • We’re driven to save you time, money, and hassle.
  • Benefit from a tailored service that comparison sites can’t provide.
  • Speak with your local branch, within your community.
  • We’re right by your side in the event of a claim.

What is driving instructor insurance?

Driving instructor insurance does what it says on the tin; it’s an essential insurance policy for those who make a living by teaching others how to drive.

It helps protect driving instructor’s assets, their livelihood, and their students by providing financial coverage in the event of accidents, injuries, or other unforeseen incidents that may occur during driving lessons.


What insurance do Driving Instructors need?

Driving instructors need specific driving instructor insurance coverage to protect themselves, their students, and their vehicles while providing driving lessons. The type of insurance they require typically includes the following:

  • Dual control car insurance: this is the primary insurance that driving instructors need. It ensures that both the instructor and the student are protected in case of an accident, whilst also allowing the instructor to control the vehicle from the passenger side during lessons, enhancing safety.
  • Public liability insurance: covers instructors against claims made by third parties (e.g., pedestrians, other drivers) for injury or property damage resulting from their driving lessons.
  • Professional indemnity insurance: protects against claims made by their students for any alleged negligence, errors, or omissions during the training process. It covers the cost of legal defence and any compensation that may be awarded to the student if the instructor is found liable.
  • Personal accident insurance: provides coverage to the driving instructor in case they are injured during a driving lesson. It may offer financial assistance for medical expenses, loss of income, or disability resulting from the accident.
  • Business interruption insurance: helps driving instructors cover their fixed expenses (e.g., rent, salaries, utilities) if they cannot work due to a covered incident.
  • Legal protection insurance: helps cover legal costs associated with disputes or claims arising from accidents, injuries, or other incidents related to the driving instruction business.

As with any insurance, it's crucial that you carefully review policy terms, coverage limits, and exclusions before purchasing. By consulting with us, we can offer you some guidance on what is and isn’t covered in a particular driving instructor policy, and which insurer’s quotes could be more aligned to your personal requirements.

More information about Driving Instructor Insurance

How does driving instructor insurance differ from standard car insurance?

A driving instructor insurance policy needs to differ from standard car insurance, because of professional services provided by driving instructors.

Typical car insurance plans provide coverage for drivers during everyday activities like personal and domestic use, whereas for driving instructors, their insurance policy must encompass extra considerations. Because driving instructors provide a service, such as they are required to have "hire and reward" coverage and a higher level of accident coverage compared to standard drivers.

If you’re still unsure on how insurance differs for driving instructors, give us a call, and we can provide some further clarity on this.


How much is driving instructor insurance?

The cost of driving instructor insurance in the UK can vary widely depending on several factors, including where you’ll be operating your lessons, your experience as an instructor, the type of coverage you’re after, the insurer, and the specific terms and conditions of the policy. Based on that, you can imagine that there’s a lot of variables which can alter the cost of a driving instructor insurance premium.

To get an accurate quote, we’d recommend that you contact an insurance specialist or broker, such as Howden, who can who can help you navigate the options available and find the best policy that not only suits your needs, but also fits your budget.

Driving Instructor FAQs

How to become a driving instructor?

In order to charge people for driving lessons, you must qualify as someone who can be an ADI, an approved driving instructor.

To learn more about what you need to do to become an approved driving instructor, be sure to visit the GOV.UK website, where you’ll find a step by step guide on teaching car driving.


How long does it take to become a driving instructor

Depending on how swiftly you progress through each stage, the entire training program can be a multi-month training process, often spanning between 6 to 12 months.

The application procedures, background checks, and the time it takes to successfully pass the required tests all contribute to overall timeframe for becoming a driving instructor, not including any potential delays that come along the way.


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