No, they don’t.

Yes, as long as it has a centre handbreak (not a push button or foot handbreak) and indicators, headlights/ high beam, washer/wipers, horn, break lights, and hazard lights are all in working condition. 

No, Instructors are only insured for their own vehicles, they also have dual pedal controls which make the training safer.

It depends on the individual, as the learning process is different for everyone. What we recommend is an initial lesson to assess your driving and discuss what might be required moving forward.