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Driving Instructor Insurance

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Driving school insurance in the UK is a specialised type of commercial motor insurance designed for driving instructors and schools. It’s crucial because it covers the increased risks associated with inexperienced drivers and the financial liabilities of running a driving school. 
 
Key Features and Coverage:
  • Hire and Reward
    This is a legal requirement when carrying passengers in return for payment, which is standard for driving lessons. 
     
  • Any Driver Basis
    Policies should cover all students with a provisional license, as well as the instructor, allowing for flexibility in who can drive the vehicle. 
     
  • Comprehensive Coverage:
    This includes protection against damage to the instructor’s vehicle, liability to other parties in an accident, and potential financial losses. 
     
  • Public Liability Insurance:
    This is important for any business and protects against claims if a student or member of the public is injured or their property is damaged. 
     
  • Professional Liability:
    This covers potential legal costs and damages if you are sued for negligence or breach of duty as a driving instructor. 
     
Why it’s Necessary:
  • Increased Risk:
    Inexperienced drivers increase the likelihood of accidents and claims. 
     
  • Legal Requirements:
    Driving school insurance is often a legal requirement for operating a driving business. 
     
  • Financial Protection:
    It protects the driving instructor’s income and livelihood in case of accidents or other issues. 
     
  • Protection for Students and Others:
    It covers potential liability to students and the public in the event of an accident. 
     
Differences from Standard Car Insurance:
  • Standard car insurance may not cover incidents during paid lessons with inexperienced drivers.
  • Driving school insurance is specifically tailored to the increased risks associated with teaching novice driver.