Like any individual, teachers are free to arrange their motor insurance with whatever insurer they wish. Bearing in mind, however, that teachers may carry pupils to sports matches or to hospital in an emergency, some guidance is necessary.
To include carrying of pupils, school equipment etc. in their own car, teachers are advised to have the extended Class 1 usage of the vehicle which is Social, Domestic and Pleasure Purposes and use by the insured in person for his/her business.
This will give the additional cover required only when the teacher insured is driving. The teacher should therefore check the position with his/her insurer before using their vehicle on school related business.