Driving Instructors Need Insurance

By Rob Paine


If you are a driving tutor in business by yourself or if you own a driving school, you will need to have driving teacher insurance. What matters is what kind and how much insurance you need.

A driving mentor insurance plan is almost the same as your personal car insurance. It covers all of the necessities like theft, liability, accidents. The difference is that it will cover your students.

Because the possibilities of an accident are greater when you are training student drivers you will have to have more coverage, this of course will cost more. Some insurance carriers offer a month, by month plan, which is a good idea when you are first starting out. A yearly plan will be less costly and better to get once you have established yourself in the business.

The difference about driving tutor insurance is that it covers the learner who is driving the vehicle even though the learner name is not on the insurance policy. Claims against you due to negligence by you or the learner can be included in the policy along with any legal fees that may be incurred by you or the student.

Never carry passengers or any goods in the used for driver training as these will not be covered. Your insurance company can deny any claims you may have if this is the case and drop your policy altogether.

Look around for a good policy, the cost of driving mentor insurance plans varies greatly. You might be able to get this insurance from your personal carrier. The important thing is that you do have it. Without you may lose your license to teach and any hopes of finding any driving instructor jobs in the future.

If you are in business by yourself and give lessons in your own car you still need to get driving mentor insurance. This type of insurance covers any learner you may have in your vehicle. The policy will be more costly but you have to keep it and if anything does happen to your learner or car you will be glad you did.

When you grow from an individual business to a company that employs other drivers your policy will have to change also. A one person driving teacher policy will not cover more vehicles or employees.

When you are looking for driving tutor insurance, look for companies that offer specials for going without accidents. Many companies do this now because they need your business. You may be able to get money back if you go without moving violations.




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