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.

Get a quote

For a tailored car insurance quote for disabled drivers
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 adapted cars and Wheelchair Accessible Vehicles (WAVs), why not give us a call and challenge us to beat your premium*

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.

For a Disabled Drivers Insurance quote

Key benefits at a glance

  • UK breakdown recovery following a breakdown including homestart services, roadside assistance, vehicle recovery and the arrangement of overnight or emergency accommodation if required. European breakdown cover is available at an additional cost Cover applies for up to 4 breakdown callouts per year.
  • 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
  • Protection up to £2,500 for wheelchairs or other mobility aids being transported in your car
  • If you or anyone else in the car is injured in an accident involving the car, we will pay up to the policy limit of £10,000 in medical expenses for each injured person

As with any insurance policy, limits and exclusions apply. Please get in touch with us for further information.

Car Insurance policy documents

You can find all our 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

Find out more

We’ve answered some of the queries you might have about our disability Car Insurance

  • 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.
  • QWill your disabled car insurance protect the adaptations and modifications on my car if it’s stolen, damaged or written off?
    AMany standard insurance policies only pay out a market value based on the car’s list price. However, Fish’s disability car insurance covers modifications such as hand controls, under ring accelerators, swivel chairs, lifts and other adaptations used by disabled drivers and passengers. This means that if you need to make a claim on your disability car insurance following an accident, 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. We recommend that you compare disabled driver insurance and standard motor policies to ensure that the cover offered meets your needs. Please click here for full policy information.
  • QIs it possible to find cheap car insurance for disabled drivers?
    AYes, but we would encourage you to check that whichever insurer you choose will actually cover everything you need. Here at Fish, we specialise in insurance for people with disabilities and pre-existing medical conditions. This means a Fish car insurance quote covers things like modifications to your vehicle and certain mobility aids you carry in it. Please click here for full policy information.
  • QIs car insurance for disabled drivers more expensive?
    ASome mass market insurers may quote higher premiums if you drive a modified car because they focus on standard risks and treat all modifications equally. This means that they treat disability adaptations in the same way as modifications made to enhance the look or performance of the car, meaning they may raise your premium or refuse to insure you at all. However, as disability car insurance specialists, Fish’s experience is that disabled drivers and wheelchair adapted vehicles (WAVs) actually present a better insurance risk. For this reason, we can offer disabled car insurance with significant discounts. Please click here for full policy information.