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.

Ian Beevis

Insurance Expert & Co-founder of Clean Green Cars

Updated 8 May 2025 2 Min Read

On This Page

What Does Driving Instructor Insurance Typically Cover?
Can I Use Regular Car Insurance for Driving Lessons?
How Can I Lower the Cost of My Instructor Insurance?
Does It Matter if I’m an ADI or Pdi?

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.