Discover What Driving Instructor Insurance Is
If you are a driving instructor in business by yourself or if you own a driving school
, you will need to have driving instructor insurance. What matters is what kind and how much insurance you need.A driving instructor 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 driving schools or instructors primarily work with beginning drivers the risk of damage to you and your car is greater. For this reason, driving instructor insurance coverage will vary widely. Most coverage is given on the individual basis, where you can get a policy from month to month, while others may offer better rates for coverage on a yearly plan.
This type of driving instructor insurance will cover any student you may have. They do not have to be named on the policy. Any damage done by you or the student will be covered along with any lawers fees if that is necessary.
If you bring any passengers or carry anything else that does not belong in the car for instruction purposes, the passengers and the goods will not be covered by the driving instructor insurance and you will be liable if anything does happen. The insurance company can also drop your policy.
Look around for a good policy, the cost of driving instructor 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 instructor insurance. This type of insurance covers any student you may have in your car. The policy will be more expensive but you have to keep it and if anything does happen to your student or car you will be glad you did.
Your insurance carrier will have to adjust your policy when you grow from a, single instructor company, to a business that employs other instructors. A regular insurance policy will not cover any other drivers or cars.
Some insurance companies offer incentives for driving instructors who have gone a certain amount of time without an accident or moving violation. For instance, the insurance premium might be reduced or you may get a rebate. Every little bit helps when getting driving instructor insurance.
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