Car insurance for disabled drivers

Find out more about car insurance options for drivers with disabilities.

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Insurers are not permitted to charge disabled drivers more for the cost of cover. Our guide explains what you need to know when taking out a car insurance policy.

Man in wheelchair lifting himself into the driver seat of his car

Over time it has become much easier for disabled drivers to retrieve car insurance quotes due to insurance companies gaining a better understanding of vehicle modifications based on disability, and differentiating this from appearance and performance enhancing modifications.  

As a disabled driver it does not mean you should have to pay over-the-odds on insurance, in fact premiums shouldn’t differ in cost when compared with non-disabled drivers.

The Disability Discrimination Act 2005 makes it illegal for insurers to refuse any disabled person cover on the grounds of their disability, equally, insurers are not allowed to charge disabled people more for their car insurance policy.

Motability Scheme for disabled drivers

The Motability Scheme allows those who are disabled to put their financial allowance towards leasing a vehicle which comes with insurance.

To be eligible for the Motability Scheme, you need to receive one of the following:

  • The Higher Rate Mobility Component of the DLA
  • The Enhanced Rate Mobility Component of the PIP
  • The War Pensioners’ Mobility Supplement
  • The Armed Forces Independence Payment

The Motability Scheme offers disabled drivers an easier route to obtain both car insurance and a vehicle to drive that suits their needs, however through this scheme you cannot accrue a no claims discount.

How to find the best policy to suit you

As well as being able to find a policy through standard insurers, there are also specialist insurance providers that offer cover specifically for disabled drivers. When obtaining a quote, insurance providers may want to speak to you further to learn more about your disability and your vehicle’s modifications.

If you find a policy that suits your requirements, it’s worth taking a few moments to review the following factors, to make sure you’re really getting the best policy for you.

  • Some insurance providers will offer further discount off a policy for those who hold a Blue Badge. Holding the Blue Badge entitles drivers to park closer to your desired destination, and is recognised throughout Europe.
  • If your car was to be stolen or vandalised, would your replacement vehicle have the adequate adaptations your actual car has?
  • If your policy does not provide a replacement vehicle, will they cover the costs of taxis while your car is off-road?
  • If you have a personal assistant or carer, can they be added to your policy as an additional driver?

Finding a car insurance policy as a disabled driver

You can compare car insurance quotes by using our search tool. We’ll ask you a few quick questions to help us determine your personal circumstances, and then we will present you with the insurance policies which best suit you.

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