Third-party only
Third-party car insurance is the minimum legal requirement for car owners, and it offers protection if you injure someone or damage their property or vehicle. It doesn’t cover you for damage done to your own car
Compare cheap car insurance quotes for disabled drives
If you’re a disabled driver you might require certain additional cover that other motorists don’t need, perhaps for modifications made to your car to improve accessibility. This could include:
A specialised steering wheel
Wheelchair clamps
Wheelchair ramps
Wheelchair lifts
Altered pedals
Insurance providers are no longer allowed to discriminate between people based on disabilities, thanks to the Disability Discrimination Act of 2005. This means insurers won’t be able to refuse cover or charge higher premiums for people with disabilities.
Disabled drivers will be able to choose from the same options as everyone when it comes to level of cover:
Third-party car insurance is the minimum legal requirement for car owners, and it offers protection if you injure someone or damage their property or vehicle. It doesn’t cover you for damage done to your own car
Third-party, fire and theft insurance is the next level up, and as well as third-party damage, it adds protection for your own vehicle if it’s stolen, vandalised or damaged by fire
Fully comprehensive insurance covers everything mentioned above, but it also adds protection for any other damage done to your car – as long as it’s outlined in your policy. It’s also almost always the cheapest option
Depending on your disability status, you may be eligible for the blue badge scheme, which lets people who have mobility problems park closer to shops and public facilities. You can apply, renew and check whether you qualify for a blue badge on the gov.uk website.
Generally speaking your blue badge shouldn't affect your car insurance at all - however some providers might offer a discount if you hold a blue badge. This may be because blue badge holders are able to park in safer or more secure locations than others - which can reduce the risk of damage or theft.
Motability is a scheme that lets people use their government mobility allowance to lease a new car, scooter or powered wheelchair.
You’ll be able to lease a new car or wheelchair-accessible vehicle (WAV) for at least three years, with a variety of accessories and adaptations available. You can also get a new scooter or powered wheelchair every three years..
You’ll be eligible for a Motability vehicle if you get:
War pensioners’ mobility supplement
The higher rate of the disability living allowance mobility component
The enhanced rate of the personal independence payment mobility component
.
When you lease a vehicle through Motability, it comes with its own insurance policy included.
A Motability insurance policy offers cover for the following:
Vehicle loss
Vehicle damage
Accidental damage
Fire and theft damage
Glass repair or replacement
Permanently fitted in-car equipment such as a sound system
Any required and agreed-upon modifications
Any supplied vehicle accessories
Replacement for stolen keys (but cover for lost keys is excluded)
Charitable work (as long as you don’t get a regular fixed payment)
Commuting
Personal accidents up to £5,000 per person
Driving abroad
A replacement vehicle if yours is lost or damaged, or loss-of-use benefit if no suitable vehicle is available
However, Motability insurance won’t cover you for:
Personal belongings
Non-essential accessories or modifications
Interior damage such as rips, burns or stains
Driving other cars unless they’ve been provided or approved by the insurer
Other people driving your car
Business use other than commuting
When you take out a car insurance policy as a disabled driver, you’ll usually be able to get the same cover as with a standard policy, depending on the level of protection you choose. This can include the following:
This is cover for your vehicle in the event that it’s lost, damaged or stolen as a result of an insured event
This is cover for any specialist equipment or modifications required for your disability
Personal accident cover offers a pay out to you or your named beneficiaries if you become seriously or fatally injured in a road accident
Also known as legal expenses cover, this offers cover for legal fees you might have to pay as a result of a car insurance claim
This gives you access to roadside assistance and sometimes a replacement vehicle if yours breaks down
You can also take out extra protection for lost keys, wrong fuel, cracked windscreens and more policy features
"Having a disability doesn’t mean you’ll pay more for car insurance, and in fact there are still ways you can find cheaper cover. Comparing quotes from different providers is the best place to start – it’s a quick and easy way to find the best deals out there.Don’t forget choosing fully comprehensive cover and paying annually can bring costs down.
"
Our mission is to make finding cheap car insurance easier – and when you take out cover with MoneySuperMarket you can benefit from:
Everyone deserves to save money – in fact, almost a quarter of people comparing car insurance quotes with us received a MoneySuperMarket price cut in their results*
Our car monitor gives you reminders on your road tax and MOT, as well as showing your MOT history and car valuation – helping you stay up to date, so you never miss a renewal
Our live chat tool is there so our experts can guide you through the car insurance question set, offering tailored support during business hours to help you get the right policy for the right price
*24.43% of customers completing a quote through MoneySuperMarket received a price cut quote in their top 10 results. Based on MoneySuperMarket quotes between May 2021 and May 2022
If you own the car but don’t drive yourself, you should still be able to get cover. Most insurers offer the option to either add:
A named driver, someone you specifically add to the policy who is insured to drive your car
An any-driver option that covers anyone to drive your car – though there may be a minimum age requirement they must meet
You should be able to get a young driver added to your policy, but you may have to name them specifically rather than taking out an any-driver policy that could have minimum age requirements.
This will likely depend on your provider and level of cover you take out – some insurers may offer the option to get a modified courtesy car as standard, and others you might have to pay extra.
Most insurers will let you ask someone else to take care of the communication if you are unable – just be sure they’re able to confirm your details for data protection.
You may have to enquire directly to the insurer, but you should be able to take out cover for your carer.
If you’re a blue badge holder, you might be exempt from paying road tax, also known as vehicle excise duty. However your eligibility will depend on what component of disability or personal independence payments you collect. If not a full exemption, you may still be eligible for a reduction in the amount of vehicle tax you pay.
You claim this exemption when applying for road tax, but if it’s the first time you’re doing this for a vehicle you’ll need to make a claim at a post office – and you’ll need to do this every time you change your car.
You can find out more about your eligibility for road tax exemption on the government website.
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