With all the proposed changes in the driving test this can be an exciting time to be a driving instructor; but perhaps too exciting if you or a pupil have an accident. Most of these tend to be at low speed however so it is a reasonably safe occupation to be in!
Carol Mackie established her insurance agency, C&A Mackie Insurance Brokers, back in 1990 and they have specialised in driving tuition insurance for over 20 years. They can provide cover for both Approved Driving Instructors (ADI) and Potential Driving Instructors (PDI), who work either full or part time. Their policies include pupil liability cover and, replacement or loan of dual controlled vehicles if your own is off the road because of an accident. In 2016 the busines was taken over by Hamilton Robertson Insurance Brokers Limited. This company was formed in 1981 and was one of the first in Britain to gain Charted status from the Chartered Insurance Institute. They now have several thousand existing driving instructor policyholders. They also provide excess protection, GAP, breakdown, motor fleet and key protection cover.
instructorcoverplus.com is owned by Watkin Davies Insurance Consultants Ltd, a private company that was first established in 1987. They now claim to be amongst the biggest independent insurance brokers in Wales, with offices in Cardiff and Newport, and they offer a wide range of insurance products. They have been offering driving instructor cover since 1998 and they can arrange cover for ADI and PDI qualified instructors, and can assist with getting the right insurance for the ADI Part Three test. They offer Vectis Cards to policyholders; this is a discount card, and offers can be found via a mobile app. As is usual for this kind of insurance they don't provide online quotes but you can ring them, or send in their online enquiry form, and you will be rung back.
The DIA - the Driving Instructors Association - is the UK's largest professional body for driver and motorcycling instructors, with a large range of benefits, including a monthly magazine, training opportunities and events. DIA Insurance is their only approved broker, and is run by Quote Me Today Ltd, which was established in 2003 and which offers a wide range of insurance products. They claim to be the UK's leading broker for driving school insurance and will tailor a policy based on each applicant's working hours, and level of tuition that they provide. Off road cover can be provided for those instructors teaching pupils as young as 14, or older people who may feel nervous about going on a public road at first.
Driving instructor insurance is another speciality in insurance giant Towergate's portfolio (trading as Waveney in this instance). They can arrange cover for both approved and potential driving instructors, dual control contract hire businesses, driving schools and commercial tuition fleets, however big they are. Policies can be issued on an 'any driver' basis, which not only covers any pupils with a licence, irrespective of their previous driving history, but also examiners who may drive the car during a test. Negligent tuition insurance can be included, protecting you against negligence claims by a pupil who has suffered an injury because of your alleged negligence. Policies can also be negotiated for HGV, minibus, forklift truck and trailer tuition.
Policywave are a smaller insurance broker that was set up in 2016 by a single director, Robert James Callum. They have specialised in niche insurance products, not only for driving instructors but for motorists with convictions, high performance cars, classic, modified or imported vehicles, motorhomes and standard cars, as well as home and contents cover. However driving instructor insurance is a speciality and they have been shortlisted for the 2021 Intelligent Instructor Awards at Intelligent Instructor, which looks for the year's best driving schools, instructors and providers of services (such as insurance) to the industry. They do not have an online quote system, but offer a personalised service and will discuss options over the telephone.
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