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.