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A Guide to Driving Instructor Fleet Insurance

By from the MultiQuoteTime Editorial Team - Feb 2024

Driving instructor fleet insurance in the UK is a type of insurance specifically designed for a driving school or an individual who operate multiple vehicles for driving instruction purposes. This insurance provides coverage for a fleet of vehicles used for teaching learner drivers. The fleet may be cars or a HGV (Heavy Goods Vehicle) fleet used for driving instruction.

Driving instructor fleet insurance is essential for any driving school with multiple vehicles used for driving instruction. It is a legal requirement that offers financial protection against various risks associated with operating a fleet of vehicles for this purpose of driver training. The specific coverage and cost of the insurance may vary depending on factors such as the number of vehicles in the fleet, the driving record of instructors, the location of operations, and the insurance provider.

This type of insurance can be tailored to the unique needs of your driving school and often provides cost savings compared to insuring each vehicle individually.

In order to get the best deal on Driving Instructor fleet insurance or indeed any insurance product, it’s vital that you compare quotes from a wide range of providers

We can provide you with access to a range of quotes from a panel of UK fleet insurance brokers that are able to tailor polices to you or your business's individual requirements.

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What are the the levels of cover available?

There are three major levels of cover for farm fleets, which includes:

Third Party Only : This is the minimum level of cover required by the law. Third-party-only insurance will offer protection for damages you causes to the third party vehicle or property
Third Party Fire and Theft : This level of cover offers all protections in the third party only, plus additional coverage for any damage to your fleet of bikes caused by fire or theft.
Full Comprehensive : Consider this the highest level of coverage, which includes everything in the previous cover levels plus protection for damages to your own fleet, even if you or one of your drivers are responsible.

Insurers providers will also offer you the option of adding on extra features to increase protection, these are optional. Popular add-ons include:

Breakdown Cover : If your fleet vehicles are new, they may already have breakdown cover included in the first 2 or 3 years.
Uninsured driver promise : This cover will protect your no-claims discount and reimburse any excess reimbursed if you’re involved in an accident with an uninsured driver.

key features of driver instructor fleet insurance in the UK:

Below are just are some key elements that can be included in a driver instructor fleet insurance policy:

Negligent tuition cover : Protect your driving school and instructors, against claims of negligence, resulting in an accident.
Public Liability Cover : This should be included in any comprehensive fleet policy and provides cover when dealing with claims made byu the public against your business. Most insurance providers will offer different levels of PL cover.
Uninsured driver insurance : This cover will protect your no-claims discount and reimburse any excess reimbursed if you’re involved in an accident with an uninsured driver.
A Replacement dual control vehicle : This will add to the expense,but should be considered and will provide a replacement dual control vehicle should one of the instruction vehicles need extensive repairs and be load up for a prolonged period. Some providers such as Fleetmaxx will include this as standard
Legal Expenses Coverage: Helps cover the costs associated with legal disputes, including legal representation, court fees, and other legal expenses.
Uninsured/Underinsured Motorist Coverage: : Protects the insured vehicles and occupants against damages caused by uninsured or underinsured drivers.
Employer's Liability: Covers bodily injury to employees arising out of the course of employment, where applicable.

It's important to carefully review your driving instructor fleet insurance policy and ensure that it adequately covers your vehicles, operations, and potential liabilities. Any limits, constraints, deductibles, and exclusions should be clearly understood to avoid any surprises in the event of a claim.

Factors that Impact the costs of Driving school Fleet Insurance

Lowering the cost of driving school fleet insurance quotes entails taking steps to lower your risk of insurance claims. As potential payouts can be very significant, it is important and in some cased the insurance company will mandate that you follow strict guidelines in lowering the risk of accidents. Some of these areas include

Security: It is important that these vehicles are always kept secure, follow guidance from your insurance company and the government guidance legislations.
Drivers: You may find that any perspective insurance company will insist on experienced drivers that have a verified history of safe driving,.
Implement Regular Training : Accidents happen, if you notice a trend consider the cause and implement training or take action to promote a higher degree of driver responsibility. Example, award drivers that do not make claims. Maybe extreme, but you could make drivers responsible for the vehicle excess amount or a percentage of.
Voluntary Excess amount : the amount you or the business will take responsibility for in any claim. Increasing this will normally reduce your annual policy. Speak with your broker on this option.
Over 25 : Policies that are strictly over 25 will be cheaper than an over 21 policy. Remember, you may be able to separate out the higher risk drivers as named only drivers. So you may opt for any driver multi van policy that stipulates that all drivers must be over 25 and under 75. Drivers that do not qualify or meet these conditions could be added as named drivers.
Named Only: Type of policy, named, or any driver and driver restriction imposed in the policy.
Multiple Quotes : Like any purchase, you will need to do some upfront research to help find the best quote that meets your requirements and is also affordable.

Driving school insurance providers

Providing driving school fleet insurance comes with added risk over standard fleet insurance, for obvious reasons. As such not all high street insurance companies will provide this type of cover, but niche operators that include Radius fleet insurance, Fleetmaxx, Flock fleet, Direct Fleet Insurance, JCB fleet insurance and Cover My School can provide tailored quotes for this type of cover.

Time to get driving school fleet insurance quotes?

As our name suggests, we can provide multiple quotes for driving instructor fleet insurance. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!