Public Liability and Professional Indemnity are provided under separate insurance policies. Public Liability provides cover of up to £20 million for each and every claim, whilst Professional Indemnity provides cover of up to £5 million for each and every claim, subject to the policy terms, conditions and applicable excesses.
Why Choose DIA for Your PI & PL Insurance?
Professional Indemnity and Public Liability insurance isn't simply about having a policy. It's about choosing cover that's designed specifically for the driver and rider training industry, provides meaningful protection and is backed by the UK's leading professional body for driver and rider trainers.
Higher Public Liability Protection
Many comparable membership organisations provide lower levels of Public Liability cover. DIA includes up to £20 million Public Liability, giving you greater protection from your first lesson through to specialist, fleet and commercial training.
No Separate Insurance to Buy
Some comparable membership organisations require members to purchase PI & PL insurance separately. With DIA, Professional Indemnity and Public Liability insurance is included with your membership, with no additional insurance products, hidden extras or unnecessary administration.
Designed for the Driver & Rider Training Industry
Our insurance has been arranged specifically for the driver and rider training profession, supporting PDIs, ADIs, rider trainers, instructor trainers, fleet trainers, specialist trainers, driving schools and training organisations, rather than taking a one-size-fits-all approach.
Cover That Reflects the Training You Deliver
Modern driver training isn't the same for everyone. Standard, Plus and Group memberships are designed to reflect the different levels of risk across the profession, helping ensure your insurance is appropriate for the work you actually do.
Backed by Experts, Not Just an Insurer
If you need advice, guidance or need to report an incident, you're supported by a dedicated Helpdesk and experienced professionals who understand the driver and rider training industry. You're not simply left to deal directly with an insurance company.
More Than an Insurance Policy
Your PI & PL insurance is backed by the UK's leading professional body for driver and rider trainers, giving you access to expert advice, representation, professional development, training, webinars, business support, industry updates and exclusive member benefits throughout your career.
Higher protection. No separate insurance to buy. Built specifically for the profession.
Motor Insurance Does Not Cover Everything
Your motor policy may provide a level of protection for accidents and injuries that occur as a consequence of an accident involving the vehicle.
However, professional trainers also face risks away from the vehicle, including classroom training, online training, advice, assessments, off-road activity, private land, third-party premises and client sites.
PI and PL insurance helps protect you when a claim falls outside normal motor insurance arrangements.
What Is Public Liability Insurance?
If a member of the public, pupil, client or other third party is injured, or suffers damage to their property arising from your business activities, you could be held responsible.
DIA’s Public Liability insurance is included in DIA membership and is designed to provide protection from claims made by third parties who may have suffered personal injury or damage to their property during training activity.
DIA membership includes up to £20 million Public Liability cover.
Public Liability Claims Can Arise During Everyday Training
Public Liability claims are not limited to road traffic accidents. They can arise during everyday driver and rider training, particularly when working away from the vehicle, on private land, in classrooms or at third-party premises.
- You inadvertently trip a pupil whilst opening the vehicle door.
- A pupil slips on a spilt drink during classroom or theory training.
- A pupil falls over cones you have positioned for a manoeuvring exercise.
- You accidentally damage property whilst waiting at a pupil's home.
- You damage equipment or property at a fleet operator or training venue.
- An injury or property damage occurs whilst providing advice or instruction away from the vehicle.
Why £20 Million Public Liability Cover Matters
Every lesson carries responsibility. Whether you're teaching a learner driver, rider, instructor trainee, fleet driver or delivering specialist training, an unexpected incident could result in a claim for injury or damage to property.
Whilst serious claims are uncommon, they can be expensive. Higher levels of Public Liability cover provide greater financial protection against legal costs, compensation and damages, giving you confidence that your business is better protected if the unexpected happens.
As your business grows, higher levels of cover can also help you meet the insurance requirements of fleet operators, local authorities, government organisations and larger commercial clients, many of whom specify minimum levels of Public Liability insurance before awarding work.
DIA includes up to £20 million Public Liability cover as part of membership, helping protect your business today while supporting the opportunities of tomorrow.
What Is Professional Indemnity Insurance?
Professional Indemnity insurance helps protect professionals against claims of negligence, errors or omissions in their work.
For driver and rider trainers, this can relate to professional advice, instruction, assessments, documentation, training delivery or other professional services.
DIA membership includes up to £5 million Professional Indemnity cover.
What Can Professional Indemnity Help Protect You Against?
Professional Indemnity insurance protects you if a client alleges that your professional advice, instruction or assessment caused them financial loss. It can also help with the legal costs of defending a claim.
Advice & Assessments
Claims arising from incorrect advice, driver or rider assessments, or professional instruction that allegedly causes financial loss.
Business Protection
Protection against allegations such as misleading marketing, defamation, intellectual property disputes and certain data protection breaches.
Legal Defence
Helps cover the legal costs of defending allegations, even where the claim is ultimately found to be without merit.
Professional Indemnity Claim Examples
Professional Indemnity claims can arise whenever a client alleges that your advice, assessment or professional services have caused them financial loss or other professional harm.
- Incorrect advice about the driving test or assessment process.
- Claims arising from driver or rider assessments.
- A professional driver alleges incorrect training resulted in financial loss.
- Breaches of the rules governing your appointment as an instructor or assessor.
- Misleading marketing or advertising claims.
- Defamation involving another instructor or training school.
- Brand or intellectual property infringement allegations.
- Loss of client records or data protection breaches involving pupil information.
Standard or DIA Plus: Make Sure You Are on the Right Plan
DIA membership includes PI and PL insurance, but members must hold the appropriate membership category for the training services they provide.
Standard Membership
Designed for driver trainers delivering standard driver training, generally for Category B licensing or development.
DIA Plus Membership
Required for higher-risk activity, including motorcycle training and training that is predominantly off-road or specialist in nature.
Members must declare higher-risk activities in advance and upgrade to DIA Plus where appropriate.
Compare MembershipsAre PDIs Covered?
Yes. PDIs are welcome to join DIA and access the many benefits of membership, including Professional Indemnity and Public Liability insurance, from the moment they start their training.
Cover remains subject to the appropriate membership category, declared activities, qualifications, policy terms and active membership status.
Join DIA MembershipImportant Information
Professional Indemnity and Public Liability insurance does not replace motor insurance.
Any injury, loss or damage occurring on public roads, or where the Road Traffic Act, or equivalent legislation, applies, falls under your motor insurance arrangements.
- Cover is subject to policy terms, conditions, exclusions, territorial limits, declared activities, qualifications, the correct membership category and active membership status.
- Members are responsible for ensuring they hold the correct DIA membership category for the training services they provide.
- Higher-risk or specialist instructional activities require DIA Plus Membership.
- Members must maintain a valid and fully paid DIA membership.
- Training activities must be accurately declared and kept up to date.
- All claims, complaints, incidents and insurance queries should be reported to DIA first.
Need Help Understanding the Cover?
If you would like confirmation of what DIA membership covers, or need help understanding how the insurance may apply to your training activities, please use the DIA Help Centre.
You can find guidance, answers to common questions and support with PI and PL insurance through our help pages.
Visit DIA Help CentreAlready a DIA Member?
To ensure your Professional Indemnity and Public Liability cover remains valid, you are responsible for ensuring your DIA membership matches the training services you provide and that your declared training activities are kept up to date.
If you begin delivering higher-risk or specialist training, you may need to upgrade to DIA Plus Membership before undertaking those activities. You can also download your latest insurance certificate from the Members' Portal whenever you need proof of cover.
If you need help understanding your cover, checking your eligibility, reporting a claim or incident, or have any questions about your membership, our Help Centre contains step-by-step guidance and allows you to contact the DIA team.
Protect Your Business. Protect Your Reputation.
Whether you are a PDI starting your journey, an experienced Driver Trainer, a Rider Trainer, Fleet Trainer or an organisation managing multiple trainers, DIA membership provides professional support and access to substantial PI and PL insurance.
Join DIA Membership