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Many people with disabilities or limited mobility invest in adaptations and equipment to make life at home easier
and more comfortable.
Our specialist disabled home insurance is designed to ensure that key aids such as: fitted adapted and special access bathing facilities, indoor stair lifts, electric and hydraulic hoists and ceiling lifts, access ramps, and low-height fittings are protected. In addition, it covers manual wheelchairs and disability aids whilst also offering all the reassurance and protection you might expect from a standard home insurance policy.
Protects a variety of vital home adaptations
Protection for manual wheelchairs and disability aids
Reimbursement of food delivery costs following loss or damage to your wheelchair or disability aid
Cover for oxygen maintained in the home
New-for-old replacement of lost or damaged adaptations
Optional 24-hr home emergency assistance cover
Family legal protection
This policy is for disabled people, the elderly and anyone with mobility issues living in a home adapted to accommodate their disability and for people sharing a home with someone with limited mobility or a disability.
Many people with disabilities or limited mobility invest in adaptations and equipment to make life at home easier and more comfortable. Our specialist disabled home insurance is designed to ensure that key aids such as hoists, stairlifts, bathing aids and ramps are specifically protected. In addition it covers manual wheelchairs and disability aids whilst also offering all the reassurance and protection you might expect from a standard home insurance policy.
We understand that funding an adapted home can be expensive (not to mention daunting!) so we’ve looked into what financial help is available to you and what your options are:
I have an external wheelchair ramp leading to my front door. Am I covered if this is damaged by storm, flood, or vandals?
Yes. Our policy includes buildings cover for the repair or replacement of a wide variety of fixed mobility aids, including access ramps and railings.
My young son was playing with my inflatable leg-lifter without my knowledge and broke it. Can I claim?
Yes. We appreciate that such mobility aids can be expensive to replace and therefore have included their repair or replacement within our accidental damage cover. As with other insurance providers we define accidental damage as a one-off and unintentional incident that causes damage to a home or its contents.
I have taken out disability home insurance but as my condition has worsened, I will now be installing a stair lift. Do I need to take out a new policy?
To guarantee you are fully insured, you should always notify us of any significant changes such as this. You will not need to take out a new policy, but may need to amend your existing cover and possibly pay an additional premium – although this will depend on whether you will breach your existing cover limit.
Will my disability equipment be covered in the event of a flood or fire?
Yes. Our adapted Home Insurance policy covers fire, theft, storm, and flood damage for your home and any adaptations you may have. This includes things like special access bathing facilities, stair lifts, and hoists.
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0333 331 3770