PDI Insurance - Potential Driving Instructor Cover - Park Insurance

What is PDI insurance?

PDI car insurance is a policy that must be held by all individuals training to be an approved driving instructor (ADI). It reflects the risks you face as a trainee teaching inexperienced drivers and offers protection for you, the vehicle you're driving, your learner driver, and members of the public. You must hold this form of driving instructor insurance until you have passed all three parts of the ADI exams.

What does it cover?

PDI insurance generally includes both mandatory and optional covers, including:

Any driver cover - required by law to protect learner drivers. It can also cover the examiner during tests.
Hire and reward – this cover is statutory because you will receive payments for a service offered within your vehicle (the paid tuition given to your learner).
Negligent tuition cover – in case your student claims your lessons caused them harm.
Public liability – for financial protection against third-party claims for injury or personal property damage.
Modified vehicle cover – to provide the requisite level of cover for dual controls and other modifications.
Replacement dual control car cover – if your modified vehicle is off the road, your training will grind to a halt. This cover ensures you have a replacement vehicle to get you back out, learning and training as quickly as possible.

What’s the difference between ADI and PDI Insurance?

PDI insurance is a legal requirement during your training process, and then once you qualify, ADI (Approved Driving Instructor) insurance must be taken out in its place. This offers the same level of enhanced and bespoke cover an instructor needs when taking learner drivers out on the road. Ultimately, the two types of policies cover you against the same risks, but PDI car insurance quotes will be higher because, while you’re still in training, an insurer classifies you as a higher risk.

How much is PDI car insurance?

The cost of PDI car insurance will be influenced by the type of car you drive, its modifications, and the area where you will be conducting your training and offering driving lessons for learner drivers.

Once you’ve passed the second part of your ADI exams and are in the six-month probationary period, your insurance premium will increase if you’re actively earning as an instructor.

You can bring down the cost of your insurance premium by paying a higher excess, parking off-road, installing an immobiliser, teaching in a new car, and there are also savings to be made if you only instruct part-time.

Park Insurance has been helping self-employed individuals secure competitively priced specialist insurance for over 30 years. We stand out by offering tailored policies that accurately reflect the unique needs of your business. Get in touch today to see how we can help your journey to becoming a driving instructor.

Commercial Insurance Categories

Search:

Get in touch

Give us a call on 0117 955 6835 or click on the button below and we will be happy to contact you to discuss your needs.

Get in touch

Resources

Privacy Notice Cookie Policy Affiliate Zone Careers

Contact

Park Insurance Services Ltd
323 Church Road
St George
Bristol
BS5 8AA

Tel: 0117 955 6835

Email: info@parkinsurance.co.uk

Park Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under FRN 998383. You may check this on the Financial Services Register by visiting the FCA website. Park Insurance Services Limited is registered in England and Wales (company number 13091532). Registered address: 323 Church Road, St. George, Bristol, England, BS5 8AA.