Driving school insurance

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Driving School and Driving Instructor insurance

Every driving instructor will know the importance of having comprehensive insurance in place to protect against the unexpected. Not only do you need to protect your vehicle and others around you, but there is also a need to protect your livelihood should something go wrong meaning you are unable to work.

We can recommend you to one of our trusted partners who has expertise in providing quotes for driving instructors. They can arrange comprehensive cover to protect your business, liabilities and tuition cars.

Driving school insurance is typically designed to safeguard your livelihood against a variety of risks that could leave your business exposed to financial loss. Being a driving instructor is a unique and challenging profession that requires tailored insurance to ensure comprehensive protection.

There are a number of considerations to make when arranging your insurance. Your business may seem more risky on some days than others, and having the peace of mind to work without worry is an essential part of being an effective tutor. Your vehicle is the heart of your business, and while this may be your key consideration, your insurance must be tailored to cover your specific business activities in full.

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Driving school insurance cover in detail

What is driving school insurance?

Driving school insurance is a tailored insurance policy that provides comprehensive coverage specifically tailored to the needs of driving schools, their offices and vehicles. It offers protection against a wide range of risks, ensuring that your business is adequately protected in case of accidents, liabilities, property damage, or other unforeseen events.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

Public liability insurance is a crucial component of driving instructor insurance. It protects you against claims made by third parties for bodily injury or property damage that occur as a result of your business activities. Whether it’s a student or a member of the public you encounter this cover ensures that you’re financially protected in the event of an accident or incident.

A smiling young person is taking a driving lesson. She is seated in the driver's seat with the window down.

Employers' liability insurance

If your driving school employs staff then you have a legal obligation to protect your employees. Employers’ Liability Insurance provides coverage for claims made by employees who suffer work-related injuries or illnesses. It safeguards your business from potential financial burdens resulting from legal claims and compensation.

Two women are in a car; the woman in the driver's seat is holding the steering wheel while the other is providing instructions.

Business interruption insurance

Unforeseen events can disrupt your driving school operations, resulting in a loss of income. Business Interruption Insurance provides coverage for financial losses during the period of interruption. It allows you to maintain your financial stability and recover any lost income due to unexpected incidents such as fire, flood, or theft.

Modern office with a spacious hallway and glass walls creating multiple visible meeting areas.

Property covers

You may operate your driving school from a dedicated office space therefore protecting your property and physical assets is important.

Property covers, including business buildings and contents insurance, offer comprehensive cover against a range of perils such as damage, theft, or loss of your office space, vehicles, equipment, and other valuable assets. This coverage ensures that your business can quickly recover from unexpected events and continue providing services to your students.

An open laptop on top of a wooden office desk, with trees and windows reflected on the turned-off screen.

Commercial legal protection

Commercial legal expenses should also be considered when arranging your driving school insurance. This will safeguard against employment disputes and compensation awards, tax and VAT disputes, as well as provide a jury service allowance.

Two women and a man are engaged in a discussion or a business meeting.

Cyber and data insurance

In today’s digital landscape, data breaches and cyber-attacks pose a significant threat to businesses. Cyber and data insurance safeguards your business against the financial implications of data breaches, cyber extortion, and other cyber-related risks. Additional exposures may be presented by miscellaneous portable devices carried in instructors’ vehicles and other property taken to locations. Cyber insurance can provide cover for legal expenses, notification costs, and it can help you recover from reputational damage.

Motor vehicle exposures

Motor vehicle exposures are extensive. All vehicles used for tuition should have dual controls and be clearly marked as drivers’ education vehicles. If something happened that meant your car was off the road, you need assurance that you can continue to instruct with a dual control courtesy vehicle. Accidents happen when we least expect, and can impact so many other aspects of our lives, so this aspect of business continuity is essential.

Learner driver with an L-plate driving on a residential street.

Driving school insurance FAQs

Do I need driving school insurance?

Driving school insurance is typically designed to cover you, your students, your vehicle, and your livelihood. We understand that your business may present you with a number of different scenarios on a daily basis, so comprehensive insurance to protect against these eventualities is a must.

What covers do driving schools need?

In addition to public liability and employers liability you should consider additional insurance covers including:

Dual control vehicle insurance
Courtesy car
Breakdown cover
Commercial legal expenses
Office insurance
Professional Indemnity

How much does driving school insurance cost?

The cost of driving school insurance varies depending on factors such as the size of your business, the services you provide, and the coverage options you choose. At Premierline, we understand the importance of balancing comprehensive coverage with affordability. That’s why our dedicated insurance partner can work closely with you to understand your specific needs and provide you with competitive quotes tailored to your business.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're business insurance experts

We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
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Speak to a driving school insurance expert

Through the relationship we have built we can recommend you to experts who can provide driving school insurance from a panel of UK insurers, and will tailor cover to meet your specific needs. They are on hand to make arranging your driving school insurance simple and hassle free, and will support you for the duration of your policy.