Driving school vehicle insurance: what type of insurance to choose?
As the manager of a driving school, you have several vehicles to cover. You have the choice between subscribing:
A driving school fleet insurance contract: it is offered from 3 or 5 vehicles depending on the company. In this case, your entire fleet will be covered under one and the same policy.
Individual auto insurance contracts: each vehicle will be independently covered by its own contract. The guarantees included in each policy can therefore be adapted to each vehicle.
There are advantages and disadvantages to choosing one or the other of these types of insurance. Overall, they will both take care of the damage occurring to your vehicles and to potential third-party victims. Depending on the formula subscribed, damage to drivers or to property in the car may also be covered.
The main difference is in the management of the contract. Managing a fleet policy will be easier, but an individual contract allows you to perfectly calibrate and personalize the coverage of each vehicle.
Finally, on the financial side, if your fleet represents more than ten vehicles, a fleet contract can give you access to a more advantageous overall price.
Driving school franchise or self-employed, which insurance formula?
Whether you choose to take out fleet insurance or several individual coverages, all of your work vehicles must be covered, at a minimum, by Civil Liability coverage. It is an obligation. This is included in all the formulas offered by insurers. Regardless of the organization offering car coverage, you will have the choice to subscribe to the plan that suits you:
Comparison of driving school insurance guarantees:
Civil liability auto
Third party formula
Intermediate formula
All-risk formula
Flight
Third party formula
Intermediate formula
All-risk formula
Fire
Third party formula
Intermediate formula
All-risk formula
Broken glass
Third party formula
Intermediate formula
All-risk formula
Natural disaster
Third party formula
Intermediate formula
All-risk formula
Body conductor
Third party formula
Intermediate formula
All-risk formula
A third party insurance formula: this base is the minimum protection for your driving school vehicles. It generally only includes the compulsory auto civil liability cover. The latter covers all bodily injury or material damage that one of your vehicles may cause to others (including your students while learning to drive).
One of the intermediary insurance formulas: this type of formula will cover your car third party liability, but will cover other risks that may affect your vehicles: theft, fire, broken glass, damage following a natural disaster, etc.
An all-risk insurance formula (or all-damage formula): this is the formula recommended for any driving school manager because it is the most comprehensive. In fact, in addition to the guarantees included in the less important formulas, your driving school instructors will be protected in the event of a responsible accident via the driver's bodily guarantee.
Most organizations offer driving school offers that include technical assistance services for your vehicles in their formulas. They also offer optional guarantees to be taken out, such as cover for the installations made to the vehicle or even a driving school financial guarantee. This modularity of guarantees allows you to calibrate your protection to your needs.
A financial guarantee allows your students, in the event of default on your payment, to be reimbursed for their driving hours paid but not consumed. You will be asked if you wish to become a driving school partner of the € 1 per day permit operation set up by the State.
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