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Instructor insurance, explained

Plain-English guidance on ADI & PDI cover - what it is, what to check, and who to ask.

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ADI & PDI coverDual-control tuition vehicles22 specialist brokersContact them directly

Specialist insurance providers

Independent brokers TOFU instructors use. We don't sell or arrange cover - contact them directly and confirm the details yourself. Listing is not an endorsement.

What instructor insurance typically covers

Ordinary car insurance doesn't cover teaching for money. Instructor policies are built for tuition and typically include:

  • Any-learner cover, so each pupil drives insured
  • Dual-control vehicle cover, including modifications
  • Cover while a pupil uses the car for their driving test
  • Options like dual-control replacement cars, breakdown, and legal protection

What to check before you buy

Policies differ on the details that matter: negligence claims arising from tuition, off-road lessons for under-17s, business use beyond teaching, and how a claim affects your no-claims discount.

We're instructors, not insurers - we don't sell or arrange cover, so there's no need to call us about it. The specialist brokers listed above are the ones TOFU instructors use; contact them directly for a quote.

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