One of the questions that is often asked early on at the beginning of someone’s journey to become a driving instructor is; How much is driving instructor insurance?
Most people are surprised when they find out it’s cheaper than taxi insurance.
To give you an idea of how much you can expect your driving instructor insurance to be, here are a few scenarios:
How much is driving instructor insurance?
Scenario 1:
John Smith, Aged 45. Full no claims
Assuming John Smith’s primary car will be his driving school car, he can expect his insurance to be in the region of £400-600 a year.
If John Smith has another car with full no claims, he can mirror his no claims onto his dual-controlled driving school car and receive a significant discount. In this instance, it may be between £500-800 a year.
Most driving instructor insurance companies offer this mirroring, but you should always ask them.
Scenario 2:
Sally Webster, Aged 30. Zero years no claims
Assuming Sally Webster’s primary car will be her driving school car, she can expect her insurance to be in the region of £800-£1200 a year.
Other factors to consider
These figures mentioned above are rough guidelines for the article. Your insurance may be higher if you live in an area notorious for car crime. In these instances, having your full no-claims discount will help keep this down. The other significant consideration that will affect your insurance is the car’s make and model. Going for a low insurance group car will significantly reduce the cost.
Is the insurance more expensive if you are a trainee instructor?
Yes, it is, but not by much. If an ADI with full no claims pays £400 a year, then a PDI with full no claims may be quoted in the region of £500-600 a year.
Why is driving instructor insurance so much lower than taxi insurance?
As a driving instructor, your most significant danger is being hit from behind. Virtually all rear-end shunts are straightforward non-fault claims to your insurer.
The most significant accident type for Taxi drivers is crashing into the back of another vehicle, which naturally increases the cost of their insurance.
Using a broker for your insurance?
Unfortunately, you can’t get quotes for your insurance via comparison websites, so you have to go through brokers.
If you are looking for an ADI or PDI insurance broker – click here.
driveJohnson’s offers driving instructor training across most areas of the UK. When you start your training with us, we will guide you through all the questions and queries you may have, including our driving instructor franchise.
