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Excess Protection
Add-On
This optional Excess Protection cover is available exclusively as an add-on when you purchase your main driving instructor motor policy through BG Insurance.
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What Does InstructorExcess Protection Cover?
When you make a claim on your comprehensive driving instructor insurance, whether for a major collision, malicious damage, or a stolen vehicle, you are required to pay a policy excess before the insurer covers the rest.
This excess is often a combination of a compulsory amount set by the insurer and a voluntary amount chosen by you. Excess Protection insurance simply reimburses you for this exact amount once your main motor claim is settled.
High-Risk Environments for Tuition Cars:
Busy Urban Test Routes
Teaching complex manoeuvres in congested UK city centres naturally increases the likelihood of minor scrapes, making excess reimbursement a vital financial shield.
On-Street Parking Vulnerability
Tuition vehicles left overnight on residential streets or in public car parks are prime targets for malicious vandalism and hit-and-run mirror damage.
Pupil-Error Collisions
Nervous learners can make unpredictable mistakes during mock tests; this add-on ensures you aren't financially penalised out of your own pocket when replacing a bumper or clutch.
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Why Tuition Vehicles Need Excess Protection
Enhance your main motor policy by shielding your business finances from unexpected claim costs.
Financial Shield
Prevent a sudden motor claim from wiping out your monthly tuition profits or emergency business savings.
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Fault & Non-Fault Cover
Claim back your excess whether you (or your pupil) were at fault for the accident, or if the vehicle was hit by an untraceable driver.
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Combined Excess Recovery
Reclaim both your compulsory insurer excess and any voluntary excess you agreed to when taking out the policy.
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Vandalism & Theft
Covers the excess required if you need to claim for a stolen tuition vehicle, fire damage, or overnight malicious damage.
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Multiple Claims Allowed
You can make more than one excess reimbursement claim during the year, up to the maximum annual limit of your chosen add-on policy.
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Seamless Integration
Added directly to your main BG Insurance motor policy for one single premium payment and a unified renewal date.
Add Excess Protection to Your Quote
Shield your savings from unexpected repair costs if you or a pupil have an accident. Add excess protection to your quote and reclaim some of your out-of-pocket expenses.
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What Your Excess Protection Add-On Includes
- Reimbursement of paid motor policy excess
- Cover for compulsory and voluntary excess amounts
- Valid for at-fault and non-fault motor claims
- Valid for fire, theft, and vandalism claims
- Multiple claims permitted (up to the annual aggregate limit)
- Various annual cover limits available to suit your policy
Other Available Add-Ons
Legal Expenses Cover
Expert legal support to help recover uninsured losses and lost lesson income after a collision. Learn more >
Guaranteed Hire Vehicle Cover
Access to a dual-control replacement car to keep you teaching after a non-fault incident. Learn more >
Public Liability Insurance
Protection against off-road third-party injury or property damage claims.
Breakdown Cover
Fast roadside recovery for tuition vehicles to rescue stranded instructors and learners. Learn more >
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Real-World Excess Scenariosfor Driving Tutors
As a driving instructor, opting for a higher voluntary excess is a smart way to lower your annual insurance premium. However, it means you take on a larger financial hit if an accident happens.
If a nervous pupil accidentally reverses your tuition car into a high wall during a mock test, your main motor policy will cover the expensive repair, but you must pay the £400 excess first. This add-on allows you to claim that £400 straight back, making your higher voluntary excess a risk-free strategy.
Common Scenarios Covered:
Pupil-at-fault collisions during a driving lesson
Hit-and-run damage while parked outside a student's house
Overnight theft or malicious vandalism to your dual-control vehicle
Accidental damage caused by the instructor during personal use
Adding Excess Cover to Your Tuition Vehicle Policy
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Request Your Instructor Quote
Start by getting a quote for your main ADI, PDI, or Driving School motor insurance policy with BG Insurance.
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Select Excess Protection
During the quote process, choose Excess Protection as an optional extra and match the cover limit to your total motor excess.
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Pay One Unified Premium
Your excess protection is seamlessly integrated into your main motor policy, giving you a single payment structure and renewal date.
FAQs on Driving InstructorExcess Protection
Quick answers to common questions about Excess Protection.
No. At BG Insurance, our Excess Protection cover is exclusively designed as an optional add-on to our main driving instructor motor policies. It cannot be purchased as a standalone product.