Association of Racing Drivers Schools
Personal Accident top-up scheme

All ARDS licenced instructors have excellent PAI (Personal Accident Insurance) cover as part of the ARDS Instcructor Licence, and benefits were increased from 2012.

In addition to this universal cover, however, ARDS instructors can now "top up" their PAI cover at very competitive rates. For a flat annual premium of £125 you can enhance death or injury benefits, add fracture and hospitalisation cover and double the weekly temporary disablement benefit to £1,000. We know that many professional instructors need this level of cover in the busy part of the season.

There is also an option to add to the sum insured for death or permanent total disablement on a simple sliding scale at annual premiums starting at just over £37.

These top-up schemes are operated directly through our brokers, Lockton's, and you should contact them directly to learn more or take up the cover. 

You can find details under the Insurance section of the Instructor tab on the web site. Look for the "Personal Accident Top Up Insurance" page.

As with all instructor insurances, ARDS negotiates cover on behalf of licensed instructors and does not earn any fees or commission from the schemes. All benefits are passed on to instructors in full.

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