Am I insured to use my car for Defensive Driver Training? This question is asked often by both our corporate and private clients. Performance Driving Australia programs are designed around drivers attending with the car/vehicle they use most often so this is a great question to ask!
Drivers who take defensive driving courses are statistically safer to insure.
If you have taken a defensive driving course, then insurance companies seek your business. Drivers who invest in defensive driving courses today tend to be safer drivers in the future. Plus, defensive driving courses teach you to become a better driver.
The most popular program is the Defensive Driving Program. Drivers bring their vehicles along for the day that usually includes some class room theory followed by emergency braking practice. This is done in a safe and controlled environment under the watchful eye of experienced and qualified trainers.
Training is completed in the vehicle most drivers use to keep the training relevant. Drivers not only get to learn about the vehicles systems, limitations and handling but also learn how to respond in a potentially life threatening situation.
Learning these skills in a Mini is not relevant if you normally drive a 4WD or SUV. Although the skills are mostly the same – drivers would not get the practice and when faced with a real emergency may potentially hesitate.
The reason some drivers don’t want to bring their own vehicles include –
- Not covered by insurance
- Wear and tear
- Potential for damage or crashing
The good news is that nearly all insurance companies cover vehicles that attend Defensive Driver Training. Where people get confused is if they mention race track, advanced driving or skidpan driving. These are not covered – but Defensive Driver Training specifically is. There are no high speed activities, helmets are not required and cars are operated in conditions similar to road conditions.
Wear and tear from these programs is minimal and in fact it would be hard to even notice any. Even vehicles that are used by multiple drivers over multiple days show no signs of wear and tear.
When ever a motor vehicle is in motion there is potential for damage or a crash. Driving during a defensive driving program is low risk and the potential for damage or a crash is far less then that on public roads.
Before you select a defensive driver training provider speak to your insurance companies about what is and isn’t covered.
Also ask the provider what practical driving is involved.
Defensive driver training can save lives and reduce incidents and insurance claims.
For more information check out www.performancedrivingaustralia.com.au.