Car Insurance for Disabled Drivers

If you’re a disabled driver or have disabled passengers, we hope you’ll love our Adapted Vehicle Insurance & Wheelchair Accessible Vehicle (WAV) Insurance. Further details are provided below.

Request a quote now

For a Disability Car Insurance quote
call 0333 331 3770

*Comparing insurance could help to ensure you are not overpaying. You should check that any quote sufficiently covers your individual needs. Click here for more information about Fish Car Insurance.

Car Insurance for Disabled Drivers from Fish Insurance

Our Disability Car Insurance policies specifically cover disabled drivers, adapted cars, and WAVs, so why not give us a call?

Some general insurers may quote higher premiums for modified and adapted vehicles, as they may see all modifications as a risk. As a disability Car Insurance specialist, we know that if your car is modified it’s not typically to boost its performance or looks, but to be more functional for you. We also know that disabled drivers may actually represent a lower risk.

That’s why it’s important to compare the benefits of specialised disability car insurance cover with standard policies, because you need to make sure the insurer understands your needs and is offering the right cover for you.

Key benefits at a glance

  • UK breakdown recovery including homestart services, roadside assistance, vehicle recovery, and overnight or emergency accommodation. Up to 6 breakdown callouts per year. European cover is available at additional cost
  • Cover for the repair and replacement of adaptations to your car that you’ve told us about
  • Free courtesy car while your car is being repaired at one of our approved garages (or up to £700 mobility allowance if a suitable car is not available)
  • If your car is stolen, any settlement will take into account modifications that you’ve told us about
  • Cover for accidental damage to other people’s property or injury to others up to £20m (and up to £5m per claim)
  • Lifetime guarantee on repairs. If you maintain the vehicle to the manufacturer’s schedule, repairs carried out by approved repairers are guaranteed while you own the car
  • Protection up to £2,500 for wheelchairs or other mobility aids being transported in your car

Limits and exclusions apply. Please get in touch with us for further information.

Car Policy Documents

See all of our Adapted/Disability Car Insurance policy documents here

View policy documents

Help & Advice

For more information on everything from vehicle adaptations to Blue Badge regulation, check out our help page

Find out more

And we don’t stop there…

We’ve answered some of the questions you may have about our Adapted/Disability Car Insurance

  • QWhat is a Green Card?
    AA Green Card is an internationally recognised document that evidences you have the minimum level of cover for third party property damage and personal injury in countries that are part of the Green Card system.
  • QHow do I get a Green Card?
    ATo arrange a Green Card, please call us on 0333 331 3900 or email us at as far in advance as possible before you travel (but at least 7 days before the date you are travelling).
  • QIf I have a car insurance policy with Fish Insurance, am I still covered to drive in Europe?
    AAt present, your motor insurance policy allows you to drive within the EEA (European Economic Area). This cover will not change, but with effect from 1st January 2021 drivers must now carry documentation known as a Green Card.
  • QWhen do I need a Green Card?
    AIf you own a UK registered vehicle and plan to drive it in the European Union (EU), European Economic Area (EEA), Andorra, Serbia or Switzerland, you’ll need a Green Card.
  • QDo I need to notify the DVLA about my disability or medical condition?
    AYou have to tell the DVLA if you have a driving licence and develop certain disabilities or medical conditions that they deem to possibly affect your ability to drive. You can find a list of the disabilities and conditions that might need reporting to the DVLA here. You also need to let the DVLA know if a pre-existing disability or medical condition has got worse since you got your licence. Please click here for full policy information.
  • QHow do I make a car insurance claim?
    AIf you need to make a claim, call the claims line on 0333 331 3960. You will need to give details of the incident and your policy number (given on your Certificate of Motor Insurance) or vehicle registration. Please click here for full policy information.
  • QDoes the policy allow me to drive anybody else’s car?
    AYes, our disability and blue badge car insurance policies provide cover for you to drive a car that doesn’t belong to you, as long as you have the owner’s permission. Please note that if you choose to drive someone else’s car the cover you get is Third Party Only. Please click here for full policy information.
  • QCan I put a named driver on the policy? Is my carer covered to drive?
    AYes, you can name people as entitled to drive your car when you purchase a policy.
  • QIf my car is stolen or off the road will I get a courtesy car with the same modifications and adaptations my car had?
    AAs we are specialists in WAV insurance and insurance for adapted vehicles, we know how important these modifications to your vehicle can be. That’s why we will make every effort to provide you with a courtesy car suited to your needs while your car is repaired at one of our approved garages. If we can’t provide a suitable vehicle, we will award you a mobility allowance of £50 per day (up to a total of £700) to cover reasonable travel expenses and enable you to get out and about. Please click here for full policy information.
  • QI carry my wheelchair in my car. Will it be covered by my insurance?
    AYes. Our disabled motor insurance policy includes cover for up to £2,500 towards a replacement manual or powered wheelchair or other mobility aids being transported in your vehicle. We will pay for the cost of the item, less an amount for wear and tear and loss of value up to a total of £2,500. We also offer separate manual and powered wheelchair insurance to cover your wheelchair against theft or damage when it’s not being stored in your insured vehicle. Please click here for full policy information.