Driving School Fleet Insurance

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Driving School Fleet Insurance

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Driving school fleet insurance is a type of insurance coverage specifically designed for businesses that operate a fleet of vehicles used for driving instruction. This type of insurance can provide coverage for a variety of risks, such as liability for injuries to third parties, damage to vehicles, and medical expenses for drivers and passengers.

What Driving School Fleet Insurance should Include

Different providers of driving school fleet insurance will offer different terms and conditions and elements that are included or excluded from cover. When comparing quotes for driving instructor fleet insurance, look for polices that provide the following as standard. 

  • Personal accident cover:  both you and the learner driver are covered in the event of an accident
  • Negligent tuition cover : Protect yourself and instructors, against claims of negligence, resulting in an accident. 
  • Public Liability Cover : This should be included in any comprehensive fleet policy. Most insurance providers will offer different levels of PL cover.
  • Uninsured Driver protection : This is now to become more mainstream as the number of uninsured drivers continues to increase. This cover will protect your no claims if you are involved in an accident with an uninsured driver.
  • Replacement dual control vehicle : Whilst not imperative, having access to a dual control vehicle should one of the fleet require extensive repairs should be considered.  Some providers such as Fleetmaxx will include this as standard
  • Any Driver Cover : This is essential, to let you provide instruction to learner drivers without first having to inform the insurance company, it also allows the instructors to use any car within the fleet. 

If you operate a learner driver instruction service or other business that uses a fleet of vehicles for driving instruction, it is important to have the proper insurance coverage in place to protect your business and your customers.

Who needs driving school insurance?

Driving school insurance is not only for learner drivers, but is suited to any school that provides driving instructions regardless of the vehicle category, some of the more common categories are listed below.

  • Buses and coaches
  • HGV Trucks
  • Minibuses
  • Fork Lifts
  • Limousines

What does any driver cover mean?

If you are providing learner driver instruction, you need to be able to offer your service to a continuos cycle of new learner drivers. Having to notify the insurance company each time you plan tos tart instructing a new driver would be impractical to running s smooth operation. With this fact, most driving school insurance policies will offer any driver cover. This will let any driver that are under tuition and supervision to drive one of the fleet vehicles to gain experience driving. It also provides flexibility in that any instructor can use any of the vehicles and have driving instructor insurance cover.

How to reduce the costs of driving instructor fleet insurance

Like any insurance policy, the premium that you pay will reflect your perceived risk. The good news is that you can take steps or put in place polices or processes that will help remove or mitigate these risks. 

  • Excess Increase : Most insurance polices will come with an excess. The excess is the amount that you will be liable for if you make a claim. Speak with the policy provider on how increasing this amount could reduce your final policy premium    
  • Reduce Claims : If the driving instructors have a history of making claims, expect to pay a higher premium and take steps to reduce the number of claims to reduce further increases. Some example steps, include installing dash cameras or requiring all instructors to take a defensive driving course
  • Shop around :  Shop around and compare quotes from multiple insurance companies to get the best rate.
  • Renewal Time : Always check for better deals when it comes around to renewing your policy. Some providers reserve their best deals for new businesses and NOT for existing customers. 

Driving school insurance providers

There are many insurance companies that provide cover for driving instructors in the UK. Some of the larger insurers that offer this type of coverage include Aviva, AXA, LV=, and Allianz. There are also specialist insurance brokers who focus on providing insurance for driving instructors, such as Keith Michaels, FLEETMAXX and Cover My School.

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A driving school fleet insurance policy is designed to insure all your cars together under one easy to manage policy, click here to get multiple quotes from driving school fleet insurance specialist providers now

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