Insurance for CBT Instructor

[Nemo]

Any CBT Instructors out there? I want to get trained up to be an instructor, so at insurance renewal time I told my insurers about this and they stated that they would not insure an instructor. However, there is no mention of this exclusion in the small print of their policy. I know that most schools cover the personal liability part when on the road or during off-road training but I'd like to be reassured that if I got hit by a car the insurer wouldn't just walk away.
Any advice from relevant experience of this would be welcome.

 

[chablis]

Lord Sooty will be along at some point, all the Instructors are probably out working at the mo.

Thinking of becoming a motorcycle instructor - Anyone on here done it, or is one?

I've seen an advert on Gumtree (local to me) advertising training become a motorcycle instructor. It seems ideal. Anyone on here got any advice, good or bad please? I'm seriously considering it so any advice appreciated.

www.ukgser.com

https://www.ukgser.com/community/threads/the-people-you-meet-as-an-instructor.347368/#post-5189449

 

[wessie]

Lord Sooty

 

[Santa-2512]

Would have thought it was business use

 

[Lord Snooty]

Would have thought it was business use

This, tick the bike for business use, the school you work for should cover your for professional indemnity insurance.

 

[Nemo]

This, tick the bike for business use, the school you work for should cover your for professional indemnity insurance.

Thanks everyone. Much appreciate the input!!

 

[stever1]

This, tick the bike for business use, the school you work for should cover your for professional indemnity insurance.

But does that mean he’s still covered if somebody hits him ?

 

[Lord Snooty]

But does that mean he’s still covered if somebody hits him ?

Steve, fortunately I have never had to test this out, I would imagine that the answer is yet but I bow to Wapping's knowledge of all things to do with insurance, over to you Richard.

 

[stever1]

Steve, fortunately I have never had to test this out, I would imagine that the answer is yet but I bow to Wapping's knowledge of all things to do with insurance, over to you Richard.

The reason I ask that when I went self employed, I looked at PI insurance. My understanding ( right or wrong ) is it’s cover for if I made a mistake at work. IE, if, as an AP I miscalculated when planning a lift and someone got hurt.
I would have thought riding would have to be covered under a normal bike insurance

 

[wessie]

This, tick the bike for business use, the school you work for should cover your for professional indemnity insurance.

But does that mean he’s still covered if somebody hits him ?

The bike policy will cover any on road incident involving a third party like when riding for leisure, just with the cover valid when the bike is being used for business use.

The professional indemnity insurance is not motor insurance although it might cover some aspects of things that happen on the road where the instructor is alleged to have been negligent by a trainee or member of the public.

 

[jimbo]

If you are an IAM member, then their insurance through Cornmarket includes insurance as an instructor with no extra charge.

 

[wheelnut]

If you are an IAM member, then their insurance through Cornmarket includes insurance as an instructor with no extra charge.

I don’t think it’s specific ‘instructor insurance’ as such, it’s simply class 1 business use.

I think the main factor that could change things will be that you will be getting paid as an instructor.

 

[littleade]

If you are an IAM member, then their insurance through Cornmarket includes insurance as an instructor with no extra charge.

The insurance covers you to do the Observer role for the IAM. They don't "instruct" as such as that's a professional activity/qualification to train someone for a legally required licence etc, where as the IAM Advanced test is voluntary so not required by law?

 

[Wapping]

insurers about this and they stated that they would not insure an instructor. However, there is no mention of this exclusion in the small print of their policy

The policy you bought was, presumably, bought by you requesting Social, Domestic and Pleasure use? If it did include ‘Business’ it will probably be noted somewhere in your request for insurance what that ‘business’ is. ie. what it is you do by way of employment. For example, if you are a Deliveroo rider, that will have been noted as your ‘business’. Likewise, if a dentist, that will be taken into account, too.

Your policy probably doesn’t specifically exclude using your motorcycle to pull a plough as a farmer or as a lighthouse. Why? Because it doesn’t need to, as neither of those are your ‘business’.

I assume you are not planning on being self employed in this new role? Why not take the easy route and ask your prospective employer what insurance they will arrange on your behalf and what insurance you need to arrange for yourself?

 

[jimbo]

I don’t think it’s specific ‘instructor insurance’ as such, it’s simply class 1 business use.

I think the main factor that could change things will be that you will be getting paid as an instructor.

Agreed, but some companies will refuse to cover if you want business use and your occupation is being an instructor.

 

[jimbo]

The insurance covers you to do the Observer role for the IAM. They don't "instruct" as such as that's a professional activity/qualification to train someone for a legally required licence etc, where as the IAM Advanced test is voluntary so not required by law?

It's very grey area whether the IAM offer instruction; although it certainly looks and walks like a duck, so I would say....

I may have overstated my assumption that Cornmarket always happy to extend cover to business cover for instructors.
Admittedly from a relatively small sample, if you change your profession to "motorcycle instructor", they are happy to cover business use by an instructor whilst delivering CBT and DAS for no additional premium.

 

[Wapping]

It's very grey area whether the IAM offer instruction; although it certainly looks and walks like a duck, so I would say....

I may have overstated my assumption that Cornmarket always happy to extend cover to business cover for instructors.
Admittedly from a relatively small sample, if you change your profession to "motorcycle instructor", they are happy to cover business use by an instructor whilst delivering CBT and DAS for no additional premium.

That, as I understand it, is simply the extension of a conventional social, domestic and pleasure motor policy to embrace its use a business vehicle. The liability section only applies to the damage or injury the rider causes to a third party with or due to his motorcycle.

It offers the insured no protection should the pupil in this example, sues the fellow for say, falling off and breaking his neck, as he’d been instructed to ride at thirty miles an hour and apply the brakes so that he stopped at the cones in the car park.

OP I’d sincerely advise you to refer to post #14 and satisfy yourself as to what it is YOU need.

 

[jimbo]

That, as I understand it, is simply the extension of a conventional social, domestic and pleasure motor policy to embrace its use a business vehicle. The liability section only applies to the damage or injury the rider causes to a third party with or due to his motorcycle.

It offers the insured no protection should the pupil in this example, sues the fellow for say, falling off and breaking his neck, as he’d been instructed to ride at thirty miles an hour and apply the brakes so that he stopped at the cones in the car park.

OP I’d sincerely advise you to refer to post #14 and satisfy yourself as to what it is YOU need.

Indeed, Professional Indemnity insurance is not a legal requirement, but something I wouldn't be without. If the school don't provide it for everyone, then one easy option is Driving Instructors Association ( https://www.driving.org/dia-insurance/) I think its included in the annual membership fee