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Drive a WAV? Are you sufficiently covered?

Requesting insurance cover for a wheelchair-adapted vehicle can sometimes be a minefield. At Fish, we aim to make our policies as clear, transparent, and easy to understand as possible for you. We know that some people may not fully understand what they’re covered for. To help, we’ve put together some information to guide you when comparing your WAV insurance.

Are you asking the right questions?

When you shop around for WAV insurance, it’s important to ask the right questions to the providers. This means you’re able to ensure that the policy covers everything that you need.

Here are some reasons why this is important:

Different insurance policies may have different coverage:

Insurance policies can vary widely, and they won’t all cover the same things. Some policies may cover damage to your disability modifications, such as a ramp. But you may find the policy doesn’t cover the total value of their replacement.

It’s important to ask specific questions about the coverage that you need. This will ensure that the policy you select will meet your needs.

Your WAV may have unique features:

Depending on how your vehicle has been adapted, it may have unique features. These features may require special coverage. For example, if your vehicle has a lift or ramp, you may need to ensure that these features are covered. Otherwise, in the event of damage or loss, you may lose out when claiming.

You may have specific medical needs:

If you have a disability, you may have specific medical needs that require coverage. For example, if a power wheelchair or other valuable equipment was damaged. You may need coverage for repairs or replacement if such an event.

If things go wrong, you may need an adapted courtesy car:

If your WAV needs accident repair, a standard policy may only provide a standard courtesy car. Adaptations that are essential to keep you mobile, would not be available to you during this time. It’s wise to check that your policy provides a suitably adapted courtesy car if you have an accident.

The consequences of being underinsured can be serious:

Being underinsured happens if your policy doesn’t cover the value of your vehicle. If you don’t have enough coverage, you may end up out of pocket for expensive repairs and replacements. It’s important to ensure that your policy covers everything you need. Before selecting an insurance policy, you should ask them detailed questions about coverage. Also, be sure to read the policy documents carefully.

If you have any doubts or questions, it’s a good idea to speak with a knowledgeable insurance agent or broker. For example, Fish Insurance. Our team will be able to help you navigate the process.

What are the right questions?

In summary here are some key questions to ask any potential insurer to ensure you get the cover you need…

  • What value is the vehicle being insured for?
  • Does the insurer know that modifications are added to the vehicle?
  • Does this value cover the cost of the modifications being replaced/repaired?
  • What happens if I am involved in an accident?
  • If my modifications are damaged can the insurer ensure they’re repaired?

Why should you consider a specialist insurance broker?

A specialist insurance broker can be vital when getting a quote for disabled vehicles for several reasons.

Knowledge of the market for disabled vehicle insurance :

A specialist insurance broker will have an in-depth understanding of the market. They’ll be familiar with the different modifications made to vehicles to accommodate disabilities. They’ll also have a good understanding of the specific risks associated with them.

Access to specialist insurers:

Specialist brokers should have access to policies tailored to individuals with disabilities. So, they’ll be more likely to understand the risks associated with disability vehicles. So, they should be able to offer policies that provide coverage for such risks.

Customized Policies:

A specialist broker will be able to tailor the policy to the individual’s specific needs. This may include coverage for specialized equipment, mobility aids, and modifications. This ensures that you’ll have a level of coverage suited to your personal needs.

Assistance with Claims:

If a claim needs to be made, a specialist insurance broker will be able to assist with the process. They’ll be familiar with the specific requirements of the policy. This can help you, the policyholder to navigate the claims process.


In some cases, it may be necessary to advocate on behalf of the policyholder. This is to ensure that you are treated fairly by the insurer. A specialist broker can act as an advocate for the policyholder. They will help you to get the coverage you need and the compensation you deserve.

In summary

Overall, a specialist insurance broker can provide valuable expertise and assistance. They’ll help you to ensure that you’ve got the right level of coverage. They’ll also help to make sure you’re adequately protected in case of an accident or other events.

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