Teaching Learner Drivers, you need Driving School Insurance

Being a driving school instructor is one of the toughest jobs around. It’s nothing short of a tightrope walk, balancing the teaching and also keeping an eye on the traffic.  In spite of the careful watch, the driving vehicle may meet with frequent accidents, especially when pupils are at the wheel. The vehicle may also need repairing every other day with the wear and tear of learning. One thing, which the driver can rely on in these trying circumstances, is driving school insurance.

1 day test cover is the most important cover among all the driving school policies. One day test cover helps the driver, as it is a short term insurance available for immediate needs. Though called ‘One day test cover’, the period can range anywhere between one day to 28 days.

Cheaper premiums nudge the instructor to get a comprehensive one day test cover for new cars.  One day test cover also works well for the instructors, as they easily qualify - one of the key requirements for the cover is being over 25 years of age.

Even the pupil’s car driven by the instructor is covered under the Driving School Insurance. Some of the benefits of the Driving school Insurance, in addition to the above, may or may not include:

·        Coverage for under-age learners

·        Dual control replacement vehicle in non-fault accidents: (No fault accidents - Accidents that happen due to carelessness and conditions not within the control of the driver. In no fault accidents, the victim may be in a more serious condition than the vehicle. No fault accidents were introduced as insurance companies tried to escape paying damages when the vehicle wasn’t damaged though the victim was hurt. Now, the repaired vehicle is delivered within the same day or 24 hours.)

·        All parts of the car (like windshield, tyres and seats) included in the cover

·        Public liability cover to meet third party damage to properties or person

·        Twenty four hour service

·        Cover for previously banned drivers

·        Insurance cover for the complete driving fleet

·        Cover for mock-tests conducted by the driving school

·        Claims could be sought notwithstanding previous ones

·        No-claim bonus

·        Cover includes theft and fire

·        Legal protection available immediately

The instructor taking the insurance, whether it is the One day test cover or a comprehensive insurance cover, has to look out for the best deals available in the market. The history of the company in covering the costs should be studied carefully. Drivers need to watch out for the tricky words hidden in small print. There may be exception for a temporary cover in schemes like the one day test cover. Most of the insurance companies do not cover hired vehicles. They also exclude vehicles used to carry luggage and goods. In turn, the information given by the instructor should be accurate, including previous incidence of accidents.  The vehicles should be registered in the UK and only approved instructors are covered under the driving school insurance.