FAST
SPECIALISTS
Here are the highlights of the program:
- 100% independent firm;
- Customized claims service to expedite the repair of an accident vehicle;
- 24/7 claims service;
- Possibility of adding FAQ 43-A-E, FAQ 20;
- Including permission to rent the vehicle to a student to take his or her exam at the SAAQ;
- Insurance including motor vehicles, trucks, motorcycles, Harley-Davidsons, mopeds, Spyders, buses;
- Payment terms over 12 months.
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Step to ensure a driving school
To insure a driving school, several steps must be considered in order to guarantee coverage adapted to the specific risks of this activity. Here’s a general step-by-step guide:
1. Assess specific coverage needs
Determine the risks associated with the driving school’s activity, including road accidents involving school vehicles, civil liability in the event of damage caused to third parties by your students or instructors, and property damage or theft of your vehicles.
2. Search for mandatory and recommended insurance
Some insurances may be mandatory depending on the legislation of your country or region, such as professional indemnity insurance. Others, although not compulsory, are strongly recommended, such as comprehensive insurance for vehicles, insurance against bodily accidents for students, or legal protection insurance.
3. Compare insurance offers
Contact several insurers or use an insurance broker to get quotes. Compare offers not only on the basis of price but also according to the guarantees offered, exclusions, and the amount of deductibles.
4. Choose the right insurance policy
Select the policy that offers the best coverage for the specific needs of your driving school, taking into account the cost of the annual premium and the terms of the policy.
5. Purchase insurance and review coverage regularly
Once you have chosen the insurance, proceed with the subscription. It’s also a good idea to review your insurance coverage regularly to make sure it stays in line with the evolution of your driving school, especially if you’re adding new vehicles or offering new services.
6. Raise awareness and train
Make sure your instructors and students are aware of safety aspects and procedures in the event of an accident. Good training and awareness can reduce the risk of accidents and, therefore, the cost of insurance.
It is essential to fully understand all aspects and terms of the insurance policy before finalizing your choice. If in doubt, ask the insurer for clarification or consult an insurance expert.
