How Much Is Driving Instructor Insurance?
If you’re looking to become or are already a driving instructor in the UK, you’ll need a specialist insurance policy. On average, driving instructor insurance costs between £1,200 and £2,000 per year, but the exact price can vary a lot depending on your circumstances.
Compared to regular car insurance, instructor policies are typically more expensive because you’re teaching learners, who are statistically more likely to have accidents.
Key points
What Affects the Cost of Driving Instructor Insurance?
Several factors influence how much you’ll pay:
- Your experience and qualifications: Approved Driving Instructors (ADIs) often pay less than newly qualified instructors.
- Vehicle type: Newer cars with dual controls and safety features can sometimes reduce costs.
- Where you operate: Urban areas with more traffic and higher accident rates tend to push premiums up.
- Level of cover: Comprehensive cover (including public liability and professional indemnity) will cost more than basic third-party insurance.
- No-claims discount: A strong no-claims record can significantly lower your premium.
What Does Driving Instructor Insurance Typically Cover?
A good driving instructor policy usually includes:
- Cover for learner drivers while you’re giving lessons
- Public liability insurance to protect you if a third party claims against you
- Professional indemnity insurance for teaching errors or advice claims
- Replacement dual-control vehicle if your car is damaged
- Legal expenses cover
Some providers also offer extras like breakdown cover and income protection.
Can I use regular car insurance for driving lessons?
No. You must have specialist driving instructor insurance that covers teaching learners.
How can I lower the cost of my instructor insurance?
Build a no-claims bonus, choose a car with good safety ratings, add security features, and compare driving instructor insurance quotes to find the best deal.
Does it matter if I’m an ADI or PDI?
Yes. Some insurers offer better rates for fully qualified Approved Driving Instructors (ADIs) compared to Provisional Driving Instructors (PDIs).
In Summary
- Average cost: £1,200–£2,000 per year
- Factors affecting price: experience, car type, location, no-claims bonus
- Specialist cover needed for teaching learners
- Comparing quotes can save you money
Compare Driving Instructor Quotes
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