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

Life can already be challenging enough for disabled drivers without them having to worry about problems getting insurance. Fortunately, they should not have to face any kind of discrimination in that regard.

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 on account of their disability.

Historically, it was quite difficult for disabled drivers to obtain car insurance at an affordable price. Thankfully, over time it has become much easier to obtain car insurance quotes as insurance companies have gained a better understanding of vehicle modifications necessitated by disability.

Companies are now able to differentiate these modifications from work done to enhance appearance and performance.

Motability Scheme for disabled drivers

This is where the official Motability Scheme comes in. This initiative 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:

  • Higher Rate Mobility Component of the Daily Living Allowance
  • Enhanced Rate Mobility Component of the Personal Independence Payment
  • War Pensioners’ Mobility Supplement
  • Armed Forces Independence Payment

The Motability Scheme offers disabled drivers an easier route to obtain both car insurance and a vehicle that suits their driving needs. It’s important to note, however, that you can’t build up a no claims discount with this scheme.

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 reviewing the following factors, to make sure you’re getting the best policy.

  • Some insurance providers will offer further discounts off a policy for those who hold a Blue Badge (a parking scheme administered by local councils). Holding the Blue Badge entitles drivers to park closer to your desired destination, and is recognised throughout Europe.
  • If your car were to be stolen or vandalised, would your replacement vehicle have adequate modifications such as hoists or ramps, or adaptations for wheelchair access and/or hand controls.
  • If your policy does not provide a replacement vehicle, will it 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?

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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