What insurance for a driving school?

What insurance for a driving school?


As the manager of a driving school, you know that it is your duty to insure your entire vehicle fleet, at least through Civil Liability coverage. But in the event of an accident while learning to drive, other risks may be covered by your insurance ...
How much does school driving insurance cost and are there ways to reduce it? Which insurance formula to choose, whether you are a franchisee or self-employed? How to receive quotes adapted to your activity? Don't panic, let's decipher!
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Summary

    What is the price of driving school insurance?
    Professional driving school insurance: receive quotes online
    Driving school vehicle insurance: what type of insurance to choose?
    Driving school franchise or self-employed, which insurance formula?
    Civil liability in the car: who is responsible in the event of an accident?
    What insurance for an independent driving school instructor?

What is the price of driving school insurance?

The price of driving school car insurance can change according to several criteria specific to your situation. The following will be taken into account by all insurance organizations:

    The number and type of vehicles you make available to your students, their use, the number of instructors and their backgrounds (past claims, etc.), the location of the driving school as well as the type of parking when cars are not in use. The road risks represented by your activity will thus be calculated.
    The number of guarantees included and their quality will influence the price of the contract. Third party protection will be worth less than all risks! Likewise, if you take out a multi-risk driving school policy, this coverage will be more expensive than conventional driving school insurance.
    The choice of your insurance company also affects the amount of the premium that is requested from you by the various market organizations. Indeed, the latter are free to apply the tariffs they wish. Hence the importance of carefully comparing the price of their proposals, with equal guarantees of course!

If you are a professional looking to save money on your driving school coverage, here are 3 tips:

Tip 1: Request fleet insurance quotes as individual quotes to cover your fleet. Depending on the characteristics of the latter, it may be advantageous to choose a single insurer for the entire fleet or, on the contrary, to insure vehicles with different organizations according to their uses and types.

Tip 2: Negotiate with your insurer to increase the deductibles provided. In this case, the amount of your contributions will be reduced. However, you must arbitrate this choice, because in the event of an accident, you will be liable for these sums to the insurance. Recurring claims with a high deductible can quickly increase your insurance budget!

Tip 3: Be honest about your answers to the questionnaire given by the insurer when applying for insurance for a driving school car. They will allow him to establish the level of risk involved in covering your business, which will determine the cost of your insurance. Do not cheat in order to expect a lower contribution, because in the event of a false declaration, you risk a forfeiture of guarantees and therefore canceled cover as well as a consequent fine.
Professional driving school insurance: receive quotes online

Depending on your needs, your profile and especially the characteristics of your vehicle fleet, we offer 2 effective ways to find the best protection for your vehicles

    Are you used to the world of insurance, your driving school is small, you only want to take out minimum guarantees and you prefer to compare the offers yourself? Use an online business vehicle insurance comparator!
    You will have quick access to the best quotes in a single request, classified according to their prices. It will then be a matter of comparing the guarantees and the levels of deductibles offered to select the most attractive offer at a reasonable price. We provide you with our research tools, in particular our free and anonymous car school insurance comparator.

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    Do you have a large fleet of vehicles, disparate vehicles, are you not very comfortable with insurance or do you want to take out multi-risk coverage for complete and appropriate protection for your driving school? Call a professional insurance broker!
    Its role is to do, for you, the tour of the offers on the market in order to offer you the