Top Gear’s mobility scooter jape: please don’t try this at home

Posted by fishadmin & filed under Blog, Mobility Equipment Insurance, Mobility Scooter and Powered Wheelchair Insurance, News.

Last night – or six months hence if you watch it on Dave! – Top Gear’s terrible trio turned their attention to mobility scooters. This was not, of course, about the mundanities of everyday life, of using a scooter to go to the shops and enjoy some independence. No, this being Clarkson and Co. this was mobility scootering to the max as they pimped their rides to go off road.

The premise was not a bad one. The programme swiftly identified that off road scooters cost a pretty penny. Clarkson identified the challenge: “Could we build an off road mobility scooter that doesn’t cost a fortune?” And so Jeremy, James and Richard duly built their own bespoke off road machines based upon standard mobility scooters and put them to the test. This firstly saw them clumsily navigating an urban environment and later in a race up Snowdon against three injured serviceman riding off-the-shelf off-road mobility scooters.

It was typical Top Gear, a little but irresponsible but, for many, quite a bit of fun.

Here at Fish Insurance whilst we love a bit of fun, we’re even more enamoured with responsibility. Hopefully then you’ll forgive us for perhaps sounding a little po-faced when we invoke the old TV warning: please don’t try this at home!

Were you to modify your own mobility scooter you might well cause yourself a headache or two. Firstly, you’d run the risk of invalidating your manufacturer’s warranty. More worrying, you could invalidate your insurance. Have an accident for which a modification could be seen to contribute and then you may well end up having to settle any compensation claims out of your own pocket.

Our advice is that if you want to modify, take your scooter to a specialist, a professional with a proven track record for adaptations. Make sure that anything you have done to your machine does not breach the mobility scooter regulations. And make sure you tell your insurer.

Mind you, if you want to go off road, perhaps the best lesson does come from Top Gear. Who won that cross-country race? Not three professional buffoons on their modified mean machines but those servicemen riding scooters specifically designed for off road use. There’s a lesson there.

And on that bombshell…….

* For details of, or to, buy Fish Insurance’s mobility scooter insurance, click here

Posted by fishadmin & filed under Uncategorized.

Disability activist and Fish policyholder and blogger Simon Stevens discusses the legal issues and how people using personal assistants can best manage hospital visits and stays.

Hospital appointments and stays are often part of life for disabled people using personal assistants. Users frequently need support from PAs in getting to, and when staying in, hospital. But there are specific laws covering the provision of personal care within hospitals but these are often not made clear.

The current regulatory position surrounding the relationship between social and health care is that at once you are admitted hospital, in theory Social Services hands over full responsibility to the hospital until you are discharged.. This is further reinforced by the hospital’s responsibilities under the Disability Discrimination Act. In are not that simple and difficulties can arise which affect continuity of care.

We use hospitals in three different ways, each having a different impact on the use of PAs and the relationship with a hospital.

Appointments

For appointments the user has planned a visit lasting no more than a few hours. Ignoring the theory, the practice will see the PA supporting a user as for any appointment with any organisation. Hospitals are unlikely to interfere with arrangements, seeing them as the same as family or friends supporting a patient Social service departments are unlikely to need to be informed unless extra support is required after discharge.

Planned Admissions

When a patient requires day surgery or a stay in hospital normally they would only be permitted to have visitors during specific hours as it is assumed the hospital will look after all their needs. It could be argued that, depending on the specific support required, PAs are not visitors but part of the required support. While for insurance and other reasons, they may not be permitted to assist with personal care duties, there may be social and general living tasks they can perform. These might include helping communication with hospital staff or in socialising with other patients. This is likely to depend on facilities for patients and the ward.

The pre-op assessment is the best opportunity for users to discuss their support needs and to agree the role of their staff during their stay. It can often be good to have essential information prepared, sometimes called a ‘communication passport’ which can detail for hospital personnel information about a user’s medication, next of kin and their relationship with their staff. For direct payment users social services will not often need be involved, with short stays deemed a normal part of life and admission and support needs arranged without outside interference.

Unplanned visits

Typically these involve emergency care after an accident or immediate health concern. While with a planned visit, users may be able arrange for the capable and/or reliable staff to accompany them, in emergencies they may have little choice. If a staff member is relatively new managing them in a new and stressful situation may be harder. It’s also possible that no support staff are available it’s important to consider the additional difficulties this could present..

Hospital staff may also be not fully aware of the PAs role as there was no previous discussion.  This can lead to misunderstandings and communication breakdowns. It is also tempting for over-stretched hospital staff to ask and rely on user’s own staff to do personal care tasks – because “that’s what they are paid for” – without realising the legal and insurance implications. Users and personal assistants must be empowered to say no and explain the role without having a showdown with matron!

The most difficult way to visit hospital is an unplanned admission after a serious accident or a quick onset of a illness. The main thing to understand is that the length of stay is unknown often until the last moment and the needs of a user after discharge may be different and uncertain. While the user may be seriously ill they are still responsible for their staff. They need to be kept informed and paid on time. While users are in hospital, things like laundry and opening post, still need to be done at home. Users  will need to balance the support they need in hospital and at their home. This is no mean feat and will require patience and understanding from the hospital, users and staff alike.

Since the support someone needs after discharge may be different or, in worst case scenarios, their stay is likely to be more than four weeks, they need inform their social services departments, who will have differing policies in this matter. The longer users are in hospital the more likely their benefits and funding are going to be affected. The key to minimising disruption for all is good communication.

A final point to consider is the impact on support staff after discharge. Even if a user’s long term needs are not altered, additional or different support may be required in the short term This might involve tasks any patient would normally be expected to be able to do for themselves, or with the assistance of family and friends, while others may need specialist medical expertise. It may be reasonable to ask PAs to do the former, but not the latter. It is therefore important this is raised at discharge so that, say, district nurses can be provided. It is useful for users to have this discussion before they are discharged to avoid later difficulties as staff rightly refuse to do tasks which users believed they would perform.

Planning ahead

When inducting PAs users should discuss their needs in the event that they require hospital treatment and how they may their own responsibilities to their staff when temporarily incapable. It is also worth discussing concerns at relevant support assessments.

Hospitals should be treated as a friend not a foe. The more they know, the more they can accommodate a user’s needs. Time is often a scarce resource in hospitals, especially in emergencies, and so the more preparation the better. If users are prone to unplanned admissions, they may want to consider having a bag packed ready, especially if they have periods on their own. It is also important staff know what to do in such emergencies and that they can trust users to communicate effectively with them.

Going to hospital is a part of life most people do not think about. But those that use support staff must – and be more prepared, especially in terms of managing their staff. Planning will make the experience less stressful.

* Remember if you have Fish’s full cover Independent Living Insurance policy you can access expert advice on employment and human resource issues around the clock. For more details on the benefits of this pioneering insurance policy for people using direct payments and personal budgets click here.

Motability changes – it’s not so bad after all!

Posted by fishadmin & filed under Blog, Car Insurance, News.

Helen Dolphin

Helen Dolphin, Director of Campaigns and Policy at Disabled Motoring UK, reports on new revisions to the Motability scheme for disabled drivers.

 

 

 

When the changes to the Motability scheme were first announced in December I, like many disabled drivers, was left wondering if this was a scheme that would still work for me. The changes that affected me were the fact that the advanced payment (AP) was now capped at £2,000 and a nominated driver had to live within five miles.

Having to drive with hand controls I have no choice but to have an automatic and although I have squeezed myself, my wheelchair and my assistance dog into a BMW 1 series I was kind of hoping for a bit more space next time I chose a vehicle. Working full time and driving a lot for my job I like to have a car which I feel comfortable driving and one that takes diesel. Put automatic, diesel and large together and the choice of car on the Motability scheme is rather limited (at least it was).

I was also worried to see that the nominated driver had to live within five miles as when I attend limb appointments 200 miles away I pick my mum up on the way so we can share the driving. She lives 60 miles away from me so would have no longer been able to help.

Not being able to choose the car I wanted and not being able to have my mum on the insurance I was beginning to think I would have to leave the scheme, but much to my surprise and delight several weeks later these policy changes were clarified.

Now cars are back on the scheme with AP’s greater than £2,000 to encompass more automatics and estates and the nominated driver rule has been changed so for a period of 30 days you can add anyone onto your insurance however far away they live.

Motability say they will also look at individual requests on a case by case basis so do approach them with your requirements. If you still can’t get the car you want then do remember that you may be able to buy your car VAT free if you are a wheelchair or stretcher user. Disabled Motoring UK (DMUK) produces a booklet to help you with this if you decide to go down this route.

* Will these changes make you steer clear of Motability?  If you decide to follow your own route, don’t forget you can benefit from Fish’s specialist Disabled Car Insurance. Designed specifically for disabled drivers and users of wheelchair adapted vehicles (WAVs) it includes cover to protect modifications, wheelchairs in transit, mobility allowance (or suitable courtesy car) and free extension for personal assistants (PAs). Call 0800 088 3050 for a no obligation quote.

* Membership of Disabled Motoring UK costs £20 annually with benefits including penalty charge appeal advice, a monthly magazine, and travel and motoring discounts.

Watchdog slams travel insurers over medical condition ‘get out’ clauses

Posted by fishadmin & filed under Blog, News, Travel Insurance.

Fish Insurance’s sales and marketing director Warren Dickson warns disabled travellers to make sure they’re still covered should they be diagnosed with a new medical condition.

Consumer complaints about travel insurance firms refusing to cover or demanding increased premiums for newly diagnosed medical conditions have nearly doubled in the past three years.

Trade magazine Insurance Times has reported that the Financial Ombudsman Service (FOS) now receives between 480-600 complaints annually. Heavyweight consumer watchdog Which? has also found that nearly a third of people who reported a new diagnosis either had their cover removed or had to pay a higher premium.

Which? claims that insurers are using ‘get out’ clauses in their contracts – in particular “ongoing medical warranties” – to justify their actions. This is despite the Ombudsman having previously ruled some time ago that it was unfair for cover to be refused if medical conditions arose after a policy had been taken out.

Use of such tactics could prove disastrous for travellers if they are unaware that their policy includes an ongoing medical warranty clause.  Most complaints received by the FOS related to travellers who had lodged what they thought to be a legitimate claim only for settlement to be refused. You can imagine the practical, emotional and financial distress that can cause.

The good news is that if you have or buy disabled travel insurance through Fish you’ve declared any pre-existing medical conditions then you’ll be covered if a new condition arises after you’ve taken out the policy. We do NOT include the kind of get out clauses Which? has identified and agree with the FOS that they’re unfair.

What this worrying research does reveal is the need to choose an insurance provider who will treat you fairly and understands your needs. It concerns us that precisely because of the poor treatment they can receive from insurance firms, travellers with disabilities or pre-existing medical conditions may simply not bother to buy cover. That’s a real anxiety as if you’re injured or are taken ill abroad the costs can quickly mount – an air ambulance from, say, Greece, might generate a £15,000 bill.

It’s precisely because we’re aware disabled travellers need specialist cover and sympathetic, understanding  service that we launched our own specially designed, affordable disabled travel insurance. It’s also why we offer it online – because not everyone wants to discuss their medical history – and by telephone through our disability insurance advisors.

For more details or a quote click here or call 0800 088 3275.

New Blue Badge introduced

Posted by fishadmin & filed under Blog, Car Insurance.

Helen Dolphin

Helen Dolphin, Director of Campaigns and Policy at Disabled Motoring UK, welcomes a revamp of the 40 year-old Blue Badge scheme for disabled drivers.

Just before Christmas Transport Minister Norman Baker announced major reforms to help crack down on Blue Badge abuse. This is because the current system hasn’t changed for 40 years and in some areas fraudulent use is as high as 40%.

Disabled Motoring UK has been campaigning for improvements to this scheme for many years as our members have been telling us how difficult parking has become. I am therefore delighted that changes are at long last being introduced. The main change that disabled people will notice is their badge design will change. Instead of being made from cardboard and hand written it will be electronic and extremely hard to forge. It’s been described by Norman Baker as “more secure than a bank note”.

Other changes to the scheme may involve people who don’t automatically qualify having to undergo an independent mobility assessment. In the past peoples GP’s were able to tick a box saying that their patient should qualify for a badge but this is no longer the case in many areas. Although some people question this move I think it is the right way to go as it is very difficult for a GP to say no to their patient or even have the time to do an assessment properly. Of course medical history will be taken into account but most importantly mobility will be assessed.

A survey carried out last year by Disabled Motoring UK showed that very few local authorities carried out any enforcement of the Blue Badge scheme. For this scheme to work effectively more needs to be done on this front. One area that does enforce the scheme is Wandsworth where they have a zero tolerance policy. If anyone is caught in Wandsworth abusing a Blue Badge to gain free car parking they are taken to court and prosecuted and their vehicle is also towed away. Most defendants end up having to pay between £1000 and £1500 and also having to pay for getting their car back out of the car pound. If  it’s a stolen badge, an altered badge or forged badge, then more serious criminal charges can be brought in using the Theft and Fraud Acts and these potentially carry prison sentences. I would like to see far more local authorities adopting this zero tolerance approach.

With the new badge design enforcement should become significantly easier as they are all being issued from one place and have unique identifying numbers. This means a parking attendant anywhere in England, Scotland or Wales will be able to tell if a badge is genuine.

So although I’m really pleased to hear that changes have been introduced I now want councils to start proper enforcement to ensure it really is only those of us with disabilities benefitting from this scheme.

Membership of Disabled Motoring UK costs £20 annually with benefits including penalty charge appeal advice, a monthly magazine, and travel and motoring discounts.

 

If you’re a disabled driver and would like to enjoy discounts of up to 35% on your car insurance, then why not get a quote for Fish’s specialist Disabled Car Insurance As well as great value it offers benefits specially designed for the disabled driver. Call 0800 088 3050 for your personal quote.

 

Independent Living Insurance: How well protected are you?

Posted by fishadmin & filed under Blog, Care sector professionals, Independent Living Insurance, News.

The importance of those employing their own personal assistants having effective employment insurance in place has been brought into sharp focus by a recent case in which a Direct Payment employer had omitted to obtain any insurance and found himself facing legal action from an employee.

Sometimes working relationships become strained and for employers who employ PAs this can often mean the situation becomes untenable, but employees have rights and are able to exercise these at an Employment Tribunal.

In this case the North West employer requested support when the relationship with a PA deteriorated to the extent that the PA, having taken sick leave, then threatened to sue. This unfortunate case was seemingly headed nowhere else but an Employment Tribunal.

Thankfully the employer enjoyed the support of a diligent advisor from Lancashire Centre for  Independent Living, Masarrat Sharif, who felt that under the circumstances, some specialist help was needed to try to resolve the issues without recourse to legal action so she called Fish’s Lisa Gillespie, an employment law expert. The situation was put back on track with Masarrat’s support so that proper procedures were followed to deal with the problems which had built up over several months. Instead of both parties enduring the cost and stress of a tribunal they agreed they needed to part company amicably. Whilst the PA’s employment had to come to an end, this was with the assurance of a good reference and on good terms.

Masarrat is clear in her mind how important that legal advice was in securing that resolution:

 “The personal service I received from Lisa Gillespie would not have happened anywhere else. The speed and efficiency with which the matter was took the stress out of the situation. My client was no longer able to work with his employee; therefore the relationship had broken down and was irretrievable. Lisa advised me step by step with regards to the legal procedures of the employee’s dismissal, she formulated excellent paperwork (letters) for this case and the advice given was always the best anyone could ask for.

The outcome was most satisfactory and I thank her and Fish for all they have done.”

* Are you or your clients well protected against legal claims? Remember, Fish’s full cover Independent Living Insurance includes around-the clock-support from the UK’s leading provider of employment law and health and safety services.

Mobility scooters: Buyer beware

Posted by fishadmin & filed under Blog, Mobility Equipment Insurance, Mobility retail insurance, Mobility Scooter and Powered Wheelchair Insurance, News.

Thinking of buying a mobility scooter for Christmas? Then buy with care advises Helen Dolphin, Director of Campaigns and Policy at Disabled Motoring UK, the national campaigning charity for disabled motorists and Blue Badge holders.

The number of mobility scooter users in the UK is ever increasing and the number of places you can buy one from is rising too. In the past it was mainly mobility shops who sold them but now it seems just about every major retailer has a mobility store. What’s good about competition is it’s driven down the price, but what isn’t so good is the fact that people are not being assessed and may end up buying a totally unsuitable product.

I see no end of people riding scooters which are far too small for them and they probably exceed the weight limit by a considerable amount. This is dangerous for the person riding it as they are liable to tip the scooter over. There are so many questions that need to be asked when thinking about what type of scooter you want and although price is important it shouldn’t be the only consideration. Where you are going to use it and also where you are going to store it are vital questions to ask yourself.

The buyer should beware. The Office of Fair Trading (OFT) recently investigated evidence of unfair sales practices targeted at elderly and vulnerable consumers buying mobility aids in two major retailers. This looked at suspected unfair doorstep sales practices, sales terms and conditions and service delivery.

Due to each individual’s needs being different and not altogether obvious without consultation, there are also concerns that impulse or gift purchases of mobility scooters, may undermine their positive intentions and prove difficult or even dangerous to use.

I would urge consumers who are considering purchasing a mobility scooter for a loved one this Christmas to talk to the recipient and think seriously about their needs.   The OFT found prices for identical products can range dramatically. At the end of the day we want consumers to get the best deal, but, crucially, for the user to get the product they want and need and which adequately meets their individual requirements.

Membership of Disabled Motoring UK costs £20 annually with benefits including penalty charge appeal advice, a monthly magazine, and travel and motoring discounts.

* If you’re thinking of buying a mobility scooter, make sure the user is well protected with Fish’s dedicated mobility scooter insurance. It offers great peace of mind from just £75.

Holden scoops DMUK mobility dealer award

Posted by fishadmin & filed under Mobility Equipment Insurance, Mobility retail insurance, Mobility Scooter and Powered Wheelchair Insurance.

Our congratulations go to wheelchair adapted vehicle and mobility car specialist Holden Mobility which has just been highly commended by Disabled Motoring UK at the charity’s inaugural annual awards.

The company’s senior sales executive, Jeremy Wilson (pictured right), received it’s Extra Mile Dealership award from our own business development manager Lee Daffern whose own service responsibilities include advising dealers and retailers of our specialist mobility retail insurance and adapted vehicle retailers insurance.

Norwich based Holden, which has been trading for over 80 years, received the Fish sponsored award at a glitzy ceremony hosted by DMUK at the sumptuous Goodwood Hotel in Sussex. Lee’s praise for the company was echoed by Helen Dolphin, Director of Policy and Campaigns at the charity for disabled drivers, passengers & Blue Badge holder, who commented: ““I’m delighted that Holden were presented with a Highly Commended Award. The service they provide to disabled customers is excellent and I hope more dealerships can follow their example. Well done Holden.”

Holden was among a host of people and organisations celebrated at the awards. Nominations were determined by the DMUK’s members and judged by an expert panel keen to recognise those who have made a positive contribution to the day-to-day lives of disabled individuals or inspired them to live their lives to full, regardless of their circumstances. For the full list of winners click here.

Eligibility Criteria – Providing Fair Access to Care?

Posted by fishadmin & filed under Blog, Care sector professionals.

Well known disability activist and Fish policyholder Simon Stevens (pictured) has joined our team to share his expertise and experience. Here he discusses issues surrounding the use of eligibility criteria in determining access to care and support – and your options if your care package is reduced.

Since the mid 1990s eligibility criteria has been a key component of community care assessments. Born out of the ‘Fair Access to Care Services’ (FACS) guidelines, they were an attempt to make assessments fairer and prevent councils from making up their own rules.

 Basically, the criteria are split into four thresholds. These are low, moderate, substantial and critical and relate to how the importance of a person’s needsare judged in relation to their wellbeing were no services provided. A person may be seen as having a range of needs, each judged independently and so may have different eligibility for each need. This means an individual requiring support may have some needs met but not others.

While Eligibility Criteria are used to ensure that people with most needs are given priority, they present a number of difficulties. Firstly, because they deal with immediate ‘risks’ on a task by task basis, it has been argued that a failure to meet low or moderate needs results in an increased speed of deterioration of someone’s wellbeing. This is only picked up when needs becomes substantial or critical and therefore costs more money in the long term. It is now regarded that it is better to have early intervention and to enable people to be independent whenever they can.

 The second issue is that FACS does not sit well with the current personalisation agenda.  While people can now have personal budgets which are assessed using a self assessment or some kind of outcome led approach, they must still be ‘FACS Eligible’ for what the client has been assessed as needing. This means a holistic assessment currently still needs to be squeezed through a needs/risk assessment to be deemed fair.

To make matters worse, the current budget crisis has meant many local authorities are considering or have already tightened their eligibility criteria, often moving from moderate to substantial or even critical. Some local authorities have faced legal challenges as a result and there continues to be difficulty in weighing up the costs of providing services and the wider obligation to control spending. In the current climate it is clearly worrying and stressful for people requiring support and their families, who may be facing reviews of their care packages. It is important also to understand some of the benefits of eligibility criteria.

 Firstly, people requiring support may see their needs as less important than a social worker would as they may be unaware of what support is available. A low need may relate to someone who has a broken leg and will be in plaster for six weeks. While they may have some difficulties, it can be deemed reasonable to cope with reduced function for a short period. However,  someone who has only just suffered a debilitating event or illness may not realise the extent of support, through care and mobility equipment, which is available.

Secondly it is important to understand that the definitions within eligibility criteria are not scientific. There is an element of subjectivity to doing an assessment and it is largely up to the social worker concerned to determine which thresholds people come under. While this may create concerns of inconsistency as outcomes are dependent upon on the views of individual social workers, people being assessed and their families are provided with a great opportunity to present their case and to try to ensure those assessed needs reflect their individual circumstances.

 When someone receiving support is faced with a review and they are concerned that it is sole aim is to reduce their support after a change of eligibility criteria, there are measures which can help in understanding and preparing for the situation. It is firstly important to have a good understanding of what your needs are and the impact on you and others if your support was reduced in terms. That impact should be examined in terms of fulfilling your outcomes, family/social needs and any potential risks or harm arising from a change. It may be useful to talk to family and friends to discuss how they see your needs both now and in the future.

If you are worried about the review, it may be good to have someone with you such as an advocate, friend or family, especially if they know about your needs. It is your right to have someone you choose with you at the review and to have time to arrange this. Even the most confident people can be nervous when discussing their own support and it is always helpful to have someone else’s perspective and input.

 If the social worker proposes a reduction in the support the local authority is willing to fund, it is important to ask them to clarify exactly what tasks this relates to and to ensure they understand the impact that the inability to do that task will have. It is not enough just to say “because I am disabled” but rather to clearly explain the impact. It is important to ensure the assessor understands the true purpose of specific tasks. For example, having a shower may often be deemed by social workers as simply a method of personal hygiene which can be replaced by body washes. In reality, the shower could also be providing good mental wellbeing or relaxing your muscles, which a body wash would not meet. Changing this could therefore result in discomfort or low self-esteem. If they will not change the assessment, ask the assessor to record the unmet need and to suggest how they believe the need can be met in other ways. In exploring the true impact of reduced support, social workers can carry out more accurate reviews. It is also very important to request enough notice of any reduction so people can fulfil any legal requirements they have with staff they may employ. If you have a full ILP policy with Fish Insurance you can contact our Advice Line for support in meeting those obligations on 0844 8922480.

If people requiring support or their families are unhappy with the outcomes of a review, it is important they formally inform Social Services as soon as possible so the review can be examined before it is implemented. It may not be enough to just be unhappy about the decision in order to have the review changed; therefore it is important that the concerns are properly set out. For example, this may include a belief that information was not accurately recorded – if so explain what information was given at the time, or that judgements were made on incorrect assumptions. The more information which can be included in the appeal, the better the opportunity to have your situation re-assessed.

 Eligibility criteria are going to be used to assess for our needs for the foreseeable future and so both social workers and people requiring support need to work together to make the best of what will always be a difficult task.

Mobility retail insurance

Posted by fishadmin & filed under Blog, Mobility retail insurance.


If you face an illness which is beyond the run of the mill then your GP will refer you to a specialist – and you’ll be grateful for the informed care you’ll then receive from an experienced expert. The same principle applies in the retail world: specialist businesses require specialist support.

That’s why we’ve decided to launch Mobility Plus, a specialist policy designed to meet the needs of the UK’s mobility retailers. We already know the industry well, having worked in partnership with mobility retail specialists for many years. We also know well the people that buy wheelchairs, mobility scooters and in home mobility aids, because it’s to us they so often turn when looking to insure them.

Mobility Plus offers all the benefits you might expect from a good business insurance policy plus those more specific to a mobility retailer, such as cover for liabilities arising from the hire or loan of scooter, wheelchair and related equipment.

As with our new Care Cover Plus policy for those providing and advising on social care, Mobility Plus is being offered through our new commercial insurance arm, Fish Corporate Insurance. This has been created so that those involved in supporting and supplying people with disabilities or mobility issues, can benefit from our vast experience in the sector. It’s a natural progression for our business, a business which has grown since 1976 to now provide specialist insurance to over 75,000 disabled people across the UK.

If you’d like more information on Mobility Plus or any of the other policies Fish Corporate insurance provides to the care sector and disability retail specialists, why not call our team now on 0800 088 3064? Alternatively for more details of the commercial insurance policies and services available from Fish Corporate Insurance, click here.