ADI Insurance

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ADI insurance is very similar to driving instructors insurance in that it covers driving instructors and driving schools in the UK. Proper ADI cover insures you, your vehicle and your students in the event of an accident, it is also a legal requirement.

What is ADI Insurance?

As an approved driving instructor (ADI) you are fully qualified to teach learner drivers in the UK. To be able to take your students on the road, you need to have a vehicle covered by an ADI insurance policy.

An ADI insurance policy is essentially the same thing as a driving instructors insurance policy or driving school insurance policy in that it is a speciality policy that provides the right level of cover for your occupation. A normal car insurance policy will not cover your students.

The easiest way to evaluate your options is to compare ADI insurance policies or speak to a broker.

What’s The Difference Between PDI Insurance and ADI Insurance?

When you finish your probation period as a PDI, you will want to convert your insurance to ensure it is in line with your ADI status. Not only can your experience help you to find more affordable policies, but it’s also a good opportunity to evaluate your policy and add any new essential features.

Compare ADI Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

ADI Insurance

What our Comparison Expert Says

‘Correct and proper ADI Insurance is absolutely vital for any driving instructor. Working with specialist brokers, we will be able to connect you direct with someone who will be able to help you find the right policy for you without paying more than you have to!’

- Michael Tribe

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

Specialist Brokers Are Compared

We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive ADI Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

What Is Included In ADI Insurance Policies?

There are some standard features that will be included with all ADI insurance policies and driving school policies. These can include legal cover, hire and reward cover and public liability insurance amongst other things.

There are a number of add-ons that are worth considering when you compare ADI insurance options. Some of these offer additional legal protections and can be very important for protecting your income should anything go wrong.

Negligent Tuition Cover

Regardless of your level of teaching experience, negligent tuition cover can be crucial. Anything might happen while new drivers are in the car. In the event of an injury or accident, this cover defends you against claims brought by students under your instruction.

Courtesy Cover With Dual Controls

In cases where the vehicle is essential for you to continue to make an income, breakdown cover and courtesy cars both become more valuable. Couriers, taxis and even fast food delivery drivers often choose both of these options because it helps take away the stress of breaking down and can mean that the vehicle is back on the road sooner.

Some ADI policies will include courtesy cars but there are exceptions, particularly with specialist dual-control vehicles, so it’s important to check the terms of the policy.

Breakdown and Windscreen Cover

Just as you might expect with a standard car insurance policy, many ADI policies will allow you to add breakdown and windscreen cover as additional extras. Driving instructors cover a lot of miles daily and this can take a toll on a vehicle.

On top of this, the vehicles are often driven by inexperienced drivers who may add additional pressure to the car and cause things like a clutch or the tyres to wear out faster than would typically be expected.

Some accidents, like a chipped windscreen or puncture can’t be avoided, so the best option is to make sure that when it does happen you are covered and can quickly get back up and running.

Some policies may include breakdown and windscreen cover by default so it’s worth checking the details of a policy before committing to any add-ons.

Low Excess

With accidents being more common for new drivers or learner drivers, many ADI insurers will provide low excess options for instructors. This prevents regular large payments and helps to protect the income of ADIs. ADI insurers can also provide no claims bonus protection for instructors.

Is ADI Insurance or Driving School Insurance Expensive?

ADI insurance will almost always be more expensive than standard motor insurance policies, but it’s very often cheaper than similar PDI insurance policies. As an ADI, you are able to prove your experience as a tutor to insurers and this can lead to better premiums.

As you would expect, having learner drivers behind the wheel is the largest reason that insurance costs are high. This is something that can’t really be controlled. As a tutor you are helping brand new drivers to learn and this can come with the occasional bump or scuff. Insurers see driving instructors and their vehicles as a fairly high-risk group for this reason.

Of course, there are still other factors that can impact cost. Location, hours worked and vehicle type can all impact the quotes you receive. The best thing you can do is to try and find the most suitable policy so that you are covered.

Frequently Asked Questions

ADI insurance policies should have any driver cover. This means that any licensed driver will be covered by the insurance policy. It’s always best to check this with your individual policy in case there are any exceptions. These may include drivers with a previous driving conviction such as drink drivers with a DR10, for example.

ADI insurance is typically quite quick to set up. Once you have provided your details and compared your options to find the best policy, you can be up and running in no time.

Due to the nature of the policy, it’s fairly common for courtesy cars to be included in the policy. This is because instructors will need specialist dual-control vehicles if their insured vehicle is out of action. Most courtesy cars will be covered to the same level as your vehicle.

It’s important to check the details of your policy. Whilst it is a common inclusion, it can sometimes be an add-on. When you set up a new policy, compare your options and be sure you are covered to protect your income in this instance.