What sets our Insurance apart? A letter from our Insurance Broker…
Most PI Policies available in the market automatically exclude any claims for Personal Injury. This is a major issue when considering the nature of the industry and activities that instructors partake in on a daily basis. Given this nature, an inexperienced student driving a motor vehicle could be deemed high-risk potential of a bodily injury.
With the above being said, our insurance cover extends to attempted legal action against an instructor for an injury they have incurred as a result of a breach of professional advice.
In addition, our policy grants Molestation Defense cover (which is rarely included in other policies) in this space. This essentially means that if an instructor is accused of any act such as molestation, the policy will respond to protect them and defend the matter of their behalf (if the instructor is innocent). Please note, if the individual is found guilty of molestation, the policy stops responding. Insurance is there to protect the innocent and not any criminal activity.
Our policies include “Vicarious Liability” endorsement attached to it. e.g. if you are a business owner and your contractor is involved in a claim, and you (as Principal Contractor) is litigated against, the policy will extend to cover and defend. It also means that the policy will cover any company that is related to the individual instructor if it is brought into any action.
The above 3 factors are really the core of the differences between our arrangement for ADTA members and other offerings out there in the market.
It is important to note also that our insurance arrangements are more cost effective than our competitors and the cover is broader, tailored specifically to meet the needs of the industry.
The popular misconception is that our insurance is more expensive than other providers as it is combined with the ADTA membership fee, but this is truly not the case. The value of the Membership and quality PI / PL Insurance combined is overall invaluable for all Driver trainers.
Please feel welcome to contact me directly if you have any queries or would like to discuss further.
Insurance Advisernet (in partnership with CGU Insurance)