Why is driving school insurance more expensive?
Driving school insurance prices are usually higher than standard car insurance prices.
Driving instructors need extra cover, and there may be even some discretionary add-ons required. For example, to teach drivers who are under 17 – which has to be done off-road - you need additional cover.
But it's not only the inexperience of learner drivers that can affect your insurance costs. It can also be affected by:
- The type of car, in terms of engine size and transmission, influences the insurance costs of your car insurance.
- Where you live can determine how likely you are to have an accident. This can lead to higher insurance costs.
- The type of instructor you are determines your risk factor. PDIs serve a 6-month probationary period and are a higher risk than ADIs, meaning higher insurance costs. Once you've passed, your insurance costs should lower as you gain experience.
- The hours you work also determine your risk factor. Whether you work full or part-time, your insurers will create a tailor-made policy that reflects the hours you spend teaching learner drivers.
- The type of cover you require. The higher your level of cover and the more services you offer as an instructor, the more expensive it may be.
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