Driving instructors put financial security at risk without personal accident insurance

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Personal accident insurance provider novastris is informing driving instructors about a new report by the Department of Transport that highlights the financial pressures of their industry.

novastris offer tailor-made personal accident insurance policies

Our research shows that many people working as driving instructors find it difficult to access an insurance policy online that will give them immediate protection.

Personal accident insurance specialist novastris is making self-employed driving instructors aware of a new government report that shows the mounting financial pressures they face in their profession.

According to the Department of Transport*, the escalating cost of motoring, combined with the introduction of the new tougher test, has resulted in a 1.4% drop in the number of driving tests taken between October and December 2012 in comparison to the same quarter last year.

The rising cost of car insurance is also making money tighter for instructors with the result that any period of not being able to work is likely to have a huge impact on finances.

With many driving instructors being self-employed – and therefore without any immediate protection from an employer – an unexpected loss of earnings due to accident or death could have a catastrophic effect on family finances. Loss of income could put the family home at risk if the rent or mortgage cannot be paid. It could also mean having to cut back on other essentials.

Yet in spite of these pressures many driving instructors still do not take out personal accident insurance according to research carried out by novastris. The main reason was that it was not easy for driver instructors to purchase personal accident insurance online quickly without any hassle.

novastris director Steve Nickerson said: “Accidents at work are obviously an occupational hazard for driving instructors but it’s not just work-related accidents that can threaten their livelihood.

“An accident in the home or even while playing football on a Sunday morning can stop a self-employed worker earning. And that could have serious consequences for their family.

“Our research shows that many people working as driving instructors find it difficult to access an insurance policy online that will give them immediate protection.

“If they do find a suitable service, because of the ‘high risk’ associated with their job they may need to be ‘referred’, making it harder for them to purchase insurance. With busy lives, if something’s not easy to buy it gets forgotten or left until later – which might be too late!

“With a large proportion of driving instructors self-employed, we wanted to address this problem by giving workers access to a personal accident insurance policy that they can buy online at http://www.novastris.com instantly.

“And because it offers cover for driving instructors with no need for referral it means they can obtain invaluable financial protection and support should they be unable to work for a period of time, due to accident or injury. Or, should the worst happen, their family is financially supported in the case of accidental death.”

For example, the cost of a novastris policy for a 28-year-old self-employed driving instructor would start at £2.44 per month, providing accidental death cover with a tax free cash lump sum payment of £10,000.**

Optional extra benefits include:

  •     Permanent total disablement
  •     Extended disablement cover
  •     Cover for home alterations to increase accessibility
  •     Funeral expenses
  •     Cover for dependants in the event of the insured’s injury or death
  •     Bereavement package to support immediate family members by covering the cost of counselling sessions

Mr Nickerson added: “Our goal is to give driving instructors financial protection that is easily accessible for themselves and their families at very little cost.

“novastris personal accident cover can be purchased online in a matter of minutes with only the highest risk professions requiring a referral.”

*Source: https://www.gov.uk/government/publications/driver-and-rider-tests-and-instructor-statistics-quarter-3-2012-13 28 February, 2013
** Quote correct as of March 11, 2013.


novastris Insurance Services Limited is a team of experienced insurance specialists providing tailored insurance solutions to the Financial Services and Affinity Group sectors.

novastris Insurance Services is part of the novastris Insurance Group providing insurance solutions directly to personal clients through novastris Insurance Services Limited and to the wider insurance market through Novastris Underwriting Limited.

Our personal mission is to differentiate ourselves by constantly innovating in the field of product development, competitive pricing and quality of service delivery and to treat each client relationship as a long term, mutually beneficial working relationship.


novastris Insurance Services Limited, Thorncroft Manor, Thorncroft Drive, Dorking Road, Leatherhead, Surrey KT22 8JB.

For further information please contact Wendy Harrison or Jenny Thorneywork at the novastris Press Office at HSL on 020 8977 9132 or via email wendy(at)harrisonsadler(dot)com and jenny(at)harrisonsadler(dot)com

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