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Car insurance for disabled drivers

Compare cheap car insurance quotes for disabled drives

What car insurance do I need as a disabled driver?

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

Is car insurance more expensive for disabled drivers?

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.

 

 

 

What levels of car insurance can disabled drivers take out?

Disabled drivers will be able to choose from the same options as everyone when it comes to level of cover:

  • 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 

  • Third-party, fire and theft

    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

    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

How do I get a blue disabled driver badge?

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.

Can you get cheaper car insurance with a blue badge?

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.

What is Motability?

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

 

 

What will my car insurance cover if I’m a disabled driver?

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:

  • Your car

    This is cover for your vehicle in the event that it’s lost, damaged or stolen as a result of an insured event 

  • Specialist equipment

    This is cover for any specialist equipment or modifications required for your disability 

  • Personal accident cover

    Personal accident cover offers a pay out to you or your named beneficiaries if you become seriously or fatally injured in a road accident

  • Motor legal protection

    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

  • Breakdown and courtesy car

    This gives you access to roadside assistance and sometimes a replacement vehicle if yours breaks down

  • A range of extra features

    You can also take out extra protection for lost keys, wrong fuel, cracked windscreens and more policy features

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Sara Newell

Our expert says

"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."

- Sara Newell , Motor and Van Insurance Lead

Why compare car insurance quotes with MoneySuperMarket

Our mission is to make it effortless to find cheap car insurance quotes, so you can get on with enjoying the open road.

  • Speedy and simple

    Just pop in a few details about yourself, your car, and the cover you need

  • See your savings

    We’ll do the legwork to find the cheapest car insurance that offers the cover you need

  • Never miss a renewal

    With Car Monitor, we can remind you when your MOT and tax are due, so you never miss a renewal date

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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