Disabled
Car Insurance
Including: Wheelchair accessible vehiclesCars adapted for disabilities
Free breakdown recovery including
home start
Disabled Car Insurance
Our disabled car insurance is designed specifically for disabled drivers with discounts of up to 35% for Blue Badge holders and the registered disabled. As a disabled car insurance specialist our experience shows that disabled drivers are a lower risk and that’s reflected in our own low price car insurance premiums. What’s more our disabled car insurance provides you with the protection and benefits that you as a disabled driver need. These include:
- Insurance for wheelchair adapted cars
- New for old cover which specifically protects modifications
- Up to £700 wheelchair in transit cover
- Free courtesy car or up to £700 mobility allowance if a suitable car is not available
- Up to £200 personal effects cover
- Free extension to cover a personal assistant
- Free breakdown recovery including home start
So if you are disabled or drive for a disabled person, whether the vehicle is modified or not you can put the brakes on costly disabled car insurance!
Your questions answered
I’m disabled. I’ve heard this could mean I pay more for insurance?
Some general insurers and internet sites may quote you higher premiums if you drive a modified vehicle because, as mass market providers, they focus on standard risks. The Observer newspaper has also reported that some may refuse to insure you at all. However, as a long standing disability insurance specialist Fish’s experience is that disabled drivers and wheelchair adapted vehicles (WAVs) actually present a better insurance risk. For this reason we can offer discounts of up to 35% on car insurance for disabled drivers.
My car has been expensively modified due to my disability. What happens if it’s stolen, damaged or written off?
Unlike many insurers whose policies pay out only a market value based on list price, Fish Insurance covers modifications such as hand controls, under ring accelerators, swivel chairs, lifts and other adaptations used by disabled drivers. This means that if you need to make a claim following an accident or theft your policy will pay for the repair or replacement of adaptations or, in the case of a write off or theft where your vehicle is not recovered, your settlement will take into account the investment made in modifications.
I carry my wheelchair in my car. Will it be covered?
Yes. Our policy includes wheelchair in transit protection which will pay out up to £2,500 towards a replacement manual or powered wheelchair or other mobility aids stored in your vehicle.
Sometimes I need my personal assistant to drive for me. What happens then?
If you contact us we will include cover for a personal assistant.
If my car is stolen or off the road through an accident how will I get around?
We will make every effort to provide you with a courtesy car suited to your needs. If we cannot do so we will award you a mobility allowance of up to £700 to enable you to get out and about.
Got a question about our car insurance for disabled drivers? Call us FREE on 0800 088 3050.
NEW! - Car Insurance for Personal Assistants and Carers - NOW AVAILABLE!
If you are Personal Assistant or Carer and use your car whilst carrying out duties for work you must have suitable insurance. This means your car insurance policy must cover you for business use. It might not have crossed your mind, but simple duties such as driving your employer to the shops or collecting goods on their behalf means you must be covered for business use.
We understand that these day to day activities are essential for people wishing to live an independent live. Therefore, we are pleased to announce the launch of our new carer car insurance policy for Personal Assistants, specifically designed for those that are employed by service users within the home.
The policy offers you business use FREE of charge, saving you up to 25%.
• CARER & PERSONAL ASSISTANT POLICY • CAR INSURANCE FOR PERSONAL ASSISTANTS & CARERS
