Many driving instructors may think as they simply operate a car for their business that the only insurance requirement they need is to have car insurance. This is certainly not the case as there are so many more considerations that need to be taken into account if you are a driving instructor, such as the safety of your student driver. To make sure you and your students are fully protected, it is vital that you ensure you have comprehensive driving instructor insurance as you will then be fully prepared in the event of a claim.
If you just take out standard car insurance, this is a very dangerous risk to take as although you will be covered your student driver will not be covered. This can take serious effect should your student driver be driving the vehicle and an accident occurs as your current car insurance policy will not cover the costs of claims meaning you or even your student driver will have to pay the costs from their own pocket. Having comprehensive driving instructor insurance means extra considerations are taken into account to protect you or your student driver having to pay out money to cover the costs of claims.
As a driving instructor you are at risk of liability every day. As you have vulnerable and inexperienced drivers behind the wheel regularly you can never be fully prepared for an accident on the road. Standard car insurance does not take into account this risk meaning you could be held accountable for the cost of the claim if your current car insurance provider refuses to pay out. However, driving instructor insurance includes this into each policy. As you and your student will be fully protected in the event of a claim with driving instructor insurance, you can be comforted to know that there is no need to panic in the event of an accident on the road as your insurance provider will be able to provide you with the necessary costs.
The great thing about taking out driving instructor insurance is that if you are unsure about what kind of policy or insurance requirements your driving school business needs or what is legally required, you can seek advice from specialised driving school insurance brokers. By gaining this advice you will be given the confidence that everything is covered, so you can get back on the road to teach the future drivers of tomorrow.