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Why do PDIs need specialist insurance?

Qualifying as an approved driving instructor (ADI) is a long process that involves a theory, practical and instructor test. But during your training, you will need potential driving instructor (PDI) insurance to teach pupils. As a PDI, you have a higher risk of something happening to your vehicle due to your inexperience as an instructor and having a learner driver is behind the wheel.

Benefits of PDI insurance

A comprehensive PDI policy will give you the full cover you need to ensure your vehicle, yourself and your students are protected. If something happens to your instructor vehicle, a PDI insurance policy will ensure that you have a dual control courtesy car until yours is back on the road.

FAQs

What is PDI driving instructor insurance?

Standard car insurance does not cover driving lessons, so you need insurance to protect your business, vehicle, yourself, and students. As a PDI, you are also not fully qualified yet, so PDI insurance will give you the cover you need until you are  qualified.

What level of PDI insurance cover do I need?

There are different levels of PDI insurance cover, and you need to decide what best suits your need. For instance:

• Personal accident cover will protect you and your passengers
• Negligent tuition cover will protect you should your pupils make any claims against you
• Uninsured driver protection will protect your no claims discount
• Public liability insurance protects you and your business if a claim is made against for damages

What affects my PDI insurance premiums?

PDI driving instructor insurance is typically higher than standard car insurance or even ADI insurance. As a PDI, you will serve a six-month probationary period until you are a qualified ADI. Once you are qualified, your premiums should drop as you get more experience. However, several other factors can affect your PDI  premiums, such as:

• Where you live
• The type of car you use as an instructor vehicle
• Hours of work
• The type of cover you require and the optional extras you choose

How can I lower the cost of my car PDI insurance?

Getting cheaper prices for the right coverage is something on the mind of most PDIs. Whilst some factors which influence your insurance are beyond your control, there are some practical steps that can be taken to push your premiums down.

Increasing the amount of excess you pay, storing your instructor vehicle off-road and replacing your vehicle with a more efficient model will help to lower the cost of your premiums.

How to find cheaper PDI driving instructor insurance

The best way to find cheaper PDI insurance is by comparing providers and policies on Quotezone. The more optional extras you include in your policy, the more it will cost. Always shop around to find the best policy.

What is the best PDI driving instructor insurance?

The best PDI insurance will protect you, your vehicle and your students against any damage caused to other vehicles and provide legal protection should a claim be made against you. 

Quotezone has an extensive panel of PDI insurance providers that offer a great selection of PDI and ADI insurance.