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The benefits of specialist mobility car insurance

By: Philippa Harrington, On: 11 May 2020

Buying a Wheelchair Accessible Vehicle (WAV) or getting a car adapted to meet your exact needs can be a huge investment. It’s important to have the right level of protection to ensure the true value of your vehicle will be covered should you be involved in an accident or have your vehicle stolen.

If you qualify for a car on the Motability Scheme, your insurance should already be included in the package. However, if you don’t qualify or have purchased your Motability vehicle after exiting the scheme, you might need to look around for insurance yourself.

 

Why price comparison sites might not be the best place to look for mobility car insurance

When you take out insurance cover on a WAV or modified vehicle, you want to make sure that your specific adaptations are fully covered. Looking for insurance on price comparison websites will bring up all the big-name mass market insurers, but they may not offer the specific protection you need to cover any costly adaptations.

You might find that mass-market insurers use the list price to determine how much your vehicle is worth, rather than considering the huge value of your adaptations. This can mean you don’t have enough cover in place to replace your vehicle like-for-like, should it be written off.

Always be sure to check exactly what’s covered in terms of your adaptations. You can find out more details on Fish Insurance’s car cover, including benefits like cover for the repair and replacement of adaptations to your car.

Ensure your disability adaptations are covered on your car insurance

If you have expensive adaptations, such as lifts or hoists, it’s vital to ensure they’re protected in your Car Insurance policy

Why mass-market insurers may come out at a higher price, or even decline you completely!

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.

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

Car Insurance for Adapted Vehicles

Priority breakdown service

You may find that companies providing cover largely for customers with disabilities have relationships with breakdown providers who prioritise their customers. This can help you to feel more at ease, knowing you’ll be put to the top of the list should you need to call the breakdown provider out.

 

Specially trained customer service staff

Another benefit of dealing with a specialist insurer is that they are likely to have a huge amount of experience speaking to customers with disabilities. This can mean that dealing with these companies can often prove a more pleasant experience than you expect. Having someone understand the technical details of your vehicle’s adaptations first time can really help to make the process of getting covered less painful!

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Fish Insurance is a trading style of Fish Administration Ltd. Fish Administration Ltd is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 310172. Fish Administration Ltd is registered in England & Wales. Company Registration Number 4214119. Registered Office: Rossington's Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Fish Administration Ltd is part of the PIB Group.

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