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Compare driving school insurance with Quotezone
Cheap driving school insurance can be difficult to find. Finding and contacting all the companies that cover PDI and ADI (approved driving instructors) and cars with dual controls can be extremely time consuming.
We provide you with a single form that takes just minutes to fill in. Once complete, we will then match you with a member of our panel of UK insurance providers, who will contact you directly at a time that suits to discuss your insurance options.
Just imagine no more ringing round trying to carry out a driving school insurance comparison. That one single form tells us all we need to know to make a comparison of available criteria from our panel of UK insurance providers.
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Finding appropriate insurance for driving schools could be made easier with Quotezone. We could help you find a cheap quote today. So whether you need ADI or PDI driving instructor insurance or insurance for driving schools, experience the difference you get with Quotezone now. All driving instructors in the UK are required to have driving instructor insurance by law.
What is driving school insurance?
Driving school insurance is a specialised form of coverage for driving schools to protect against damage to driving instructor’s vehicles. Since driving schools will be routinely dealing with inexperienced drivers, the risks involved regarding a claim being made are considerably higher than many other professions.
Since insurers are aware that insuring these particular risks would be extremely expensive if done through other insurance packages, driving school insurance is designed to provide the appropriate coverage at a relatively affordable price.
With this said, the premiums of a driving school insurance policy are still likely to be higher than other forms of motor insurance. Despite this however, carefully evaluating your insurance options and needs is a good first step for ensuring you get cheaper premiums.
What do I need to know about Driving School Insurance?
Teaching people to drive may be a rewarding experience as it could give people a life skill, help them to be confident on the road as well as giving them the freedom to travel all over the UK and beyond. Helping people learn to drive however is not usually without risk and also when running a driving school could require significant investment in vehicles.
Using a vehicle to teach someone to drive may mean that regular car insurance is not enough to cover all aspects of teaching as well as being able to get the right replacement vehicle should one ever be needed.
Having a driving school vehicle tends to mean using a vehicle for business purposes and quite often on regular car insurance policies only social, domestic, pleasure and commuting journeys is covered. Driving school insurance could give owners the option to use a vehicle or multiple vehicles for tuition and driving tests as well as get cover for running this kind of business.
What driving school insurance might cover?
Perhaps one of the biggest benefits of driving school insurance could be that it enables a person to use a vehicle for their business without worrying about what would happen if something went wrong. Driving school insurance may be more expensive that regular car insurance but this is to account for the fact that learner drivers are inexperienced. Having a proper driver insurance policy in place means you’ll have the peace of mind knowing that the driver and anyone learning is covered should things go wrong.
Having this kind of insurance cover provides the flexibility that an instructor is covered to use the vehicle with any driver or examiner. It could also mean that a modified car such as a dual control vehicle is covered and that a like for like replacement vehicle may be available if needed. A driving school insurance policy could provide the flexibility that any instructor might be looking for in their line of work.
Finding the right driving school insurance cover
Getting cheap driving school insurance might be the goal of many who are looking to keep their outgoings low. Therefore in order to save money on insurance it might be a good idea to compare driving school insurance online. This could not only be much more convenient but it could give a cheaper deal to driving school owners albeit this isn’t necessarily guaranteed. Searching for this kind of insurance may be tricky for someone who isn’t that familiar with which kind of companies offer specialist insurance of this nature. A comparison could provide access to companies or brokers that could help and quickly. This means that driving schools won’t be without insurance for too long and could get on with business of teaching people to drive.
Getting a cheap deal on driving school cover
Paying as little as possible might be what most people are looking for when it comes to insurance but this may not always be the best approach. What is likely to be more important is making sure that the cover is adequate for the needs of your driving school. This may mean that you pay that little bit extra to get the extended cover which fit the specific requirements of your driving school. An insurance policy which does not cover you against all the risks you are likely to face is ultimately of little use in the event of a claim.
Teaching people to drive is not without its unique risks, and so paying more than a regular motor insurance policy should be expected.
This doesn’t mean that you need to settle for an expensive insurance policy. By using Quotezone.co.uk, our panel of UK based specialist providers can help to get you an affordable rate that includes driving instructors under 25.
What does any driver cover mean?
Learning to drive is likely to mean someone has little or no experience of driving a car. It could be impossible to learn to drive without any actual driving time behind the wheel. As such many driving school insurance policies may have any driver cover which could mean that any driver could use the insured vehicle regardless of their experience when under tuition. It may also mean that any examiner could use such a vehicle as providing insurance details ahead of carrying out a test is pretty impractical.
Cover for hire or reward
When it comes to making money using a vehicle it usually means declaring this on any insurance policy otherwise it could invalidate any policy. A driving school will be earning money from anyone receiving tuition in any of their vehicles and so it is likely to be an important requirement and condition of securing the right policy.
What modifications might be included on driving school insurance?
A standard vehicle doesn’t usually come with many modifications after market. However a driving school vehicle could have several changes made to it which require mention on car insurance. With a specific driving school policy they may be included as a matter of course. Things like dual controls, additional mirrors and speedometers, signage or disability equipment may all be components of a learner vehicle. It may be possible to have these features as part of the premium although it is always necessary to note which ones are on a vehicle for insurance purposes.
Exclusions and excesses
It is probably a good decision to check a potential policy thoroughly before committing to any purchase. Agreeing an excess up front is also a requirement of driving school insurance – thinking carefully about what might be affordable is versus the risk of claim is usually a good approach.
Taking note of any exclusions on the policy could also save any irregularities further down the line and means that everyone involved with the driving school knows what is covered.
Having driving school insurance in the UK may be a legal requirement but could be well worth the investment in the long term.
What are some common extras for driving school insurance?
There are many add-ons typically offered by insurers to driving school instructors, these can vary in nature from breakdown cover to replacement keys. The add-ons you may elect to incorporate into your policy really depend on your business needs as well as how you intent to operate. Some common examples of add-ons used by driving schools include the following:
- Only insuring driving instructors that are over the age of 25 – If you operate a fleet of driving instructors, younger instructors on a driving school policy will almost certainly push your premiums up. This is due to younger drivers being viewed as a greater risk as a result of less driving experience. Data from Brake, the road safety charity, has revealed that drivers under the age of 20 are 33% more likely to be killed in a car accident than someone in their 40s or 50s.
- Only insuring drivers that have clean driving records – It probably goes without saying that points and disqualifications will increase the cost of your insurance. Whilst it’s unlikely that a driving instructor will have a history of driving offences, as a general rule of thumb, clean driving records keep your premium prices lower.
- Opting for higher excess – This might be more risky than with other motor insurance policies as you’ll be allowing new drivers behind the wheel. However if you elect to pay higher excess then can effectively reduce your premiums.
- Paying for your driving school insurance annually rather than monthly – Monthly payment plans tend to incur interest and admin fees, which means you’ll pay more for your insurance in the long run if you opt to pay monthly.
- Avoid modifications – Quotezone.co.uk has found that modifying vehicles can push up your premiums considerably. Notable exceptions include extra security devices such as dashcams and CCTV.
- Don’t let your policy auto-renew – Although it may be convenient, our data shows there is virtually no additional benefit to letting your fleet insurance simply auto-renew. Even though a new law passed in January 2022 forces insurers to offer all eligible customers the same deals, we found that your chances of finding cheaper policies almost always increase when comparing multiple providers.
- Keep your vehicles in a secure location – This may seem obvious, but the more secure your fleet is when not in use the cheaper your premiums will be. Having the vehicles of your fleet behind closed fencing, or even better with enclosed hangar installations, can dramatically reduce instances of theft and break in.
How can Quotezone help to find cheap drivers school insurance?
Quotezone.co.uk will help you to find delivery driver insurance through our specialist panel of UK based insurers. Fill in one simple form with your details, and our insurers will contact you directly. Quotezone is proud to be an independent and non-biased insurance comparison site. More than 3 million users so far have used our website to compare insurance, give it a try and find a great deal on driving school insurance today!