Driving School Insurance: Everything You Need to Know

If you are the owner of a driving school, finding the right driving school insurance at the best price should be important to you. Equally important is an insurance provider with reputable and responsive customer service. Your insurance agent should respond quickly and service your needs, regardless of the issue at hand.

What Insurance Does My Driving School Need?

Diving school insurance is similar to a personal auto policy in that it covers theft, damage, liability, and injury, except that driving school insurance protects your student drivers as well. Regardless if you own 100 vehicles or just one, you’ll want at least two types of coverage. Vehicle insurance for the cars you intend to use while teaching and general liability insurance for your school’s physical location. You may want to purchase additional coverages in the form of an umbrella policy. Your general liability plan will cover accidents, property damage, product liability, and the actions of employees.

Some Things to Keep in Mind

Be sure that the only things brought into the vehicle during a session are items required for teaching. Driving school policies don’t typically cover extraneous personal effects after an accident. If an item that wasn’t required to be in the vehicle is damaged, you will need to pay out of pocket to replace it, per CarInsuranceComparison.com. This rule applies to any passengers not required for a lesson. Only you and your students are covered under your driving school insurance, so don’t allow extra passengers to do a ride-along unless it is 100 percent necessary.

Are Discounts Offered to Teen Drivers Who Take a Driving School Course?

Teens are at risk of being involved in a traffic accident more than any other age group. So, can a teenage driver expect to get any discounts from taking a driver’s education course?

A driver’s education course will teach you how to drive safely and teach you the rules of the road. Your state may require a learning course to begin driving. This class is still beneficial for any first-time driver even if it isn’t a requirement. These courses lower risk and reduce accidents. Because of this, insurance providers typically offer discounts for teens that complete a driver’s education course.