Low-speed learner driver collisions leaving instructors facing £3,000 claims

Low-speed incidents involving learner drivers are regularly generating insurance claims of up to £3,000, with damage to wing mirrors and bumpers among the most common losses seen by driving instructors.

This is according to new claims data from specialist broker Everywhen, released 27 August 2026, which also revealed learner-related claims are most likely to occur on roundabouts and housing estates – a contrast to the higher-speed collisions seen in experienced drivers.

Everywhen warned that while the damage resulting from slower collisions may seem minor, typical repair costs were found to be in the region of £1,500 to £3,000, largely driven by the expensive camera and sensor technology present in modern cars.

In turn, the firm highlighted the importance of adequate cover for driving instructors, given the knock-on effects of business disruption that can be caused by lengthy repairs leaving instructors unable to teach.

Loss of income

Symon Weedon, head of sales and business development at Everywhen, said: “As learner drivers are still building their skills and confidence on the road, it can lead to damage to vehicles, even if instructors react quickly.

“Driving instructor claims are most likely to involve lower-speed incidents. Even what appears to be minor damage can result in claims of up to £3,000.”

He continued: “An accident can mean more than just a repair bill for instructors. It can lead to cancelled lessons, loss of income and disruption for learners.

“Instructors must have the right insurance, as a standard private-car policy will cover you for social, domestic and personal use. As a driving instructor, you’ll require business use for driving tests and tuition purposes. It is extremely important to get the right cover to meet the demands and needs of a driving instructor.”