Any Driver Cover
It is essential for your policy to be issued on an any driver basis as this allows you to teach any licensed driver on the road, irrespective of previous driving experience or other risk factors. This also allows the examiner to drive, if required, as you will not be able to provide pupil details to your insurer prior to them taking their test.
Replacement Dual Control Vehicle
Most standard transport insurance products will only offer you a non-dual controlled car in the event of a non-fault incident meaning you’re unable to continue working. At Towergate, the policies we provide will supply you with a guaranteed dual control replacement car within 24 hours to enable you continue teaching and sit any pre-booked driving tests.
Negligent Tuition Cover
This liability cover protects you and your business against a claim brought against you due to an injury suffered by your pupil through some negligence on your behalf. We also extend this cover to protect any other instructor to whom you have provided a vehicle which is insured under your policy.
Driving Off Road Driver Aged 14+
Some driving instructor insurance policies provide extended cover to allow you to teach off road, pupils who are aged 14 or over. This cover is only provided where it can be evidenced that the land you’re using the vehicle on does not form part of the Road Traffic Act 1988, meaning it is not a restricted byway.
Comprehensive Driving Other Cars
If you carry out fleet driver development training you may be required to carry out a demonstration drive in your client’s vehicle. This type of cover is not normally available under a standard private car policy and may not be available under certain driving instructor insurance policies. If you do need to drive other cars it’s important that you ask for comprehensive driving other cars cover which this will meet your liabilities should you be involved in an incident in your clients vehicle. Cover only applies whilst carrying out the demonstration drive.
Cover for Hire & Reward
As a driving instructor you will be collecting money for giving lessons whilst carrying your client in the vehicle this requires hire and reward to be included within your policy for the purpose of driving tuition and test. Standard private motor policies will not include this type of cover.
Modified Vehicle Cover
As a driving instructor you will have a number of additional features added to your vehicle these can include:- Dual Controls, Additional speedo, Additional mirrors, Sign writing, Disabled driving equipment. Most standard car insurance policies will class these as modifications and will therefore not be able to provide cover. It is important to mention these to your insurance provider so that they then can note these on your policy and provide cover suitable for your needs.