There is only so much control a driving instructor has over a training vehicle – learner accidents are likely to occur and instructors need to protect themselves. More importantly, instructors need to select an accurate insurance policy that is applicable to their car and individual circumstances.
There are a lot of policies that are unique to driving instructor insurance. A qualified insurance broker will be alert to these and can help pinpoint the exact policies your specific driving school needs.
Dual Controls – All training vehicles should come with dual controlling pedals as standard. These pedals are difficult to replace should something happen to them. Insurance brokers can guarantee your policy includes dual pedal cover and that while your vehicle is in repair, the courtesy car provided comes equipped with dual controls too.
Learner Car Cover – Some learners prefer to use their own car for lessons and it is important for your policy to cover you for this – especially because the learner car probably won’t have the added safety of dual controls or mirrors.
Off Road Schooling – Instructors often choose to teach underage (15-year-old) learners off-road. If you want to do this then you need your policy to insure you for it. Just because there are no other cars to bump into, a lot can go wrong with a first time driver of that age.
Tuition of Banned Drivers – People retaking their test because they’ve accumulated too many points for driving felonies may be dangerous drivers. Some insurers don’t like to cover instructors for the tuition of these people. If you have pupils who have previously been banned for driving, a broker can make sure your policy protects you while you teach them.
Instructor Training Insurance – While you’re training to be an instructor you will also need insurance. Some driving instructors insurance policies cover you for the duration of your training also. Some policies do not and paying out for a busted dual control pedal before you have even started your instructor business is not ideal. (more…)