If you’re a disabled driver then you’ll love our Adapted Vehicle Insurance & Wheelchair Accessible Vehicle (WAV) Insurance.
Not only does our policy offer significant discounts for registered disabled drivers, it specifically covers adapted cars and Wheelchair Accessible Vehicles (WAVs).
Some mass market insurers may quote you a higher premium if you drive a modified car, as they see all modifications as a risk. Because we are a long established disability car insurance specialist we know from experience that disabled drivers represent a lower risk. The same experience tells us that if your car is modified it’s not typically to boost its performance or looks, but to be more functional for you.
This is why it’s important to compare adapted/disability car insurance with standard polices – because you need to make sure the cover offered suits your needs.
Breakdown cover including Home Start included as standard
Cover for the repair and replacement of adaptations to your car
Free courtesy car 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
Protections for wheelchair or other mobility aids carried in your car
Car insurance for Carers and Personal Assistants now available
Our Adapted Car Insurance has been specifically designed to protect Wheelchair Accessible Vehicles (WAVs) and adapted vehicles, providing peace of mind that pricey adaptations are covered, new for old, in the event of a claim.
Our insurance provides quality, competitively priced cover for those with disabilities and medical conditions and benefits such as UK breakdown recovery, legal expenses insurance and cover for mobility aids transported in your vehicle are also included.
If you have an adapted vehicle and want to find out more about our policy, contact a member of our team today.
You can also view our car policy wording online.
We’ve selected a number of articles you may find interesting, click on the links below to hop on over to our content hub.
Is car insurance for disabled drivers more expensive?
Some 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.
Is it possible to find cheap car insurance for disabled drivers?
Yes, but, we would encourage you to check that whichever insurer you choose will actually cover everything you need it to. Here at Fish, we specialise in insurance for people with disabilities and pre-existing medical conditions. This means a Fish car insurance quote covers any modifications to your vehicle, and any mobility aids you carry in your vehicle too.
Will your disabled car insurance protect the adaptations and modifications on my car if it’s stolen, damaged or written off?
Unlike many insurers whose policies pay out only a market value based on the car’s list price, Fish’s disabled car 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 on your disabled car insurance 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. We strongly recommend that you compare disabled driver insurance and standard motor policies to ensure that the cover offered is suited to your needs.
I carry my wheelchair in my car. Will it be covered by my insurance?
Yes. Our disabled motor insurance 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. We also offer separate manual and powered wheelchair insurance to cover your wheelchair against theft or damage when it is not being stored in your insured vehicle.
If my car is stolen or off the road will I get a courtesy car with the same modifications and adaptations my car had?
As 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. If we cannot do so, we will award you a mobility allowance of up to £700 to enable you to get out and about.
Can I put a named driver on the policy? Is my carer covered to drive?
Yes, you can name people as entitled to drive your car when you sign up for a policy. We also offer a separate policy for personal assistants and carers. This policy might be more suited to your carer or personal assistant as it will allow them to drive cars belonging to several clients. This policy also offers personal assistants and carers business use free of charge, meaning they can save up to 25%!
Does the policy allow me to drive anybody else’s car?
Yes, our disability and blue badge car insurance policy provides 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.
How do I make a car insurance claim?
If you need to make a claim, call the claims line as soon as possible: For policies incepted on or before 31st December 2017, call 0333 331 3763. For policies incepted on or after 1st January 2018, call 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.
Do I need to notify the DVLA about my disability or medical condition?
You 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.
Get a little friendly help from our experienced team
0333 331 3770