Gearing up for the winter – do you have the right driving instructor insurance?

The summer, despite a somewhat extended dry spell throughout most of September, is almost over, and that means darker evenings, trickier conditions and a tougher time for both driving instructors and their pupils.

Throughout the winter months instructors still carry on teaching, regardless of conditions. In fact, many believe that pupils who learn during the more challenging winter months make better drivers in the long run, as they learn to cope with everything from ice and standing water, to low-level afternoon sun (a dazzlingly difficult problem even for experienced drivers!) and windy conditions.

In rural parts of the UK where there are fewer street lights and often more hazards on the road (such as fallen branches and wet leaves), things can get even trickier for learners. So in the West Country instructors are highlighting the additional road hazards for drivers this year in a bid to reduce the number of winter accidents among new and learner drivers.

A combined effort

A recent event organised by Helston Garages and supported by Devon & Cornwall Police has been aimed at 17-year-olds and those who are learning to drive or have just passed their test, and is part of the Honest Truth Safety Partnership. The South Devon-based partnership is working with the fire service, police, county and district councils, local community safety partnerships and driving instructors to improve road safety, especially in rural areas that have seen a marked increase in the number of serious accidents in recent years.

But it’s not just learners that need to get ready for the winter months. Driving instructors are getting ready to tackle the winter season too, and train drivers to cope with more challenging conditions. So at this time of year it’s also important for ADIs to ensure that they have the right driving instructor insurance. Incidents at this time of the year are much more likely as novice drivers struggle to get to grips with wet roads and reduced visibility. That means you have a higher risk of having to make a claim on your insurance during the winter than in the summer.

So talk to your broker if you think you may need additional insurance for a dual control vehicle, or want to ensure that your public liability cover is adequate. Make sure your car – and your insurance – is geared up for the winter.