We live in an age where disabled drivers have more options available to them than ever before. With the advent of automated cars on the horizon, that age is only just beginning too. However, being a disabled driver does mean there might be differences to consider when it comes to insurance.
So, if you’re a disabled driver in the market for a new insurance solution, there are a few specifics you might want to consider and a few questions you might want to be answered alongside the typical insurance queries.
Will I pay more? – Thanks to the Disability Discrimination Act of 2005, It is now against the law for insurance providers to charge higher rates for disabled drivers or refuse them cover in the UK. However, that’s not to say there are no other considerations to make besides the cost.
Do I need to tell anyone about my disability? – You must let your insurer know of any disabilities when applying for car insurance and any special modifications you may have made to your vehicle. It’s common for many disabled drivers to adapt existing cars to better suit their needs. If this is the case, they should always include these adaptations, as we will discuss in greater detail later.
Do I need to mention taking medication? – You will need to confirm what type of medication you take and even request a doctor’s note to attach to your account if you are taking medication that could in any way affect your driving. Some disabilities will also include conditions such as seizures, which could affect your insurance as they could lead to potential traffic accidents.
Are there any insurers specialising in cover for modified vehicles? – The British Insurance Brokers ’Association (BIBA) has a database of brokers that you can search to find those that insure modified vehicles. There are dozens of insurers that specialise in modified vehicles, so its finding the right one to suit your needs.
Will I need to consider adaptations? – Your car may be covered, but is everything in your vehicle also covered alongside all your modifications? As a disabled driver you may rely on equipment for better mobility such as ramps and wheelchairs, so make sure if you travel with these to ensure they are also protected.
Will my carer need to be listed as a named driver? – This will depend on your personal circumstances but it is important to ensure that if you rely on assistance from a carer that they can be included in your plan.
Do I qualify for the mobility scheme? – The Motability Scheme allows disabled drivers to lease a car with comprehensive cover included alongside road tax, maintenance and servicing. It also covers two names drivers, which means carers are also covered. However, even if you don’t qualify for this scheme, you might be able to get a discount from some insurers.