What must the insurance policy on a driving-school lesson vehicle cover under Article 19 of the 11 May 2004 Royal Decree?

1. Only the instructor, because the instructor holds the dual controls
2. The pupil's civil liability as driver and as passenger, plus damage caused to the pupil or the pupil's belongings, with the insurer waiving recourse against the pupil except for an intentional act or gross fault
3. Only damage to the school's own vehicle
4. Nothing beyond the ordinary compulsory motor policy, because lesson cars need no special cover