Tips and Tricks for Insuring Your Vehicle When You Have a Disability

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Written by Michael Foote, founder of Quote Goat, has over 13 years experience working in the finance, insurance and currency sectors.

Historically, it has often proved difficult for those with a disability to find suitable car insurance. Both insurers and comparison sites have struggled to assess how alterations to vehicles should affect charges, often resorting to including these amongst ‘modifications’ in general.

This has been highly disadvantageous to disabled drivers looking for insurance, who have thus found themselves not only with a more limited pool of options to choose from, but often far higher prices to pay as a result of physical issues outside of their control.

Though discrimination legislation has gone some way towards helping to remedy this problem, it has not fixed it entirely, which is why you need to know how to work around this industry-wide shortcoming in order to secure a fair deal for yourself…

#1: Check to See If You’re Eligible for the Motability Scheme

The first thing we suggest that you do as a disabled driver is see if you’re eligible for the Motability scheme. Aimed at helping those who qualify for higher-rate Disability Living Allowance, this enables eligible applicants to lease a new car from a retailer like Allied Mobility, with insurance cover included as part of the arrangement. This obviously offers an ideal solution, and could save you a not insignificant amount of money.

#2: Take a Look at Specialist Insurers

If you don’t meet the criteria for the Motability scheme, it’s not time to despair just yet. You do have other avenues open to you. You might wonder what they are, considering how large the last quote you completed was, but it’s just a case of knowing where to look, and specialist disabled insurers should be your next port of call. Have a google, see what companies come up, and you’re very likely to find a price that you’re happy with.

#3: Select the Right Modifications

It won’t always be a case of having to try the specialists. If you’re more comfortable using a generic insurer, perhaps because you want to be added to a pre-existing policy, then make sure that you help yourself by selecting the right modifications on comparison sites. If you’re struggling with this, and can’t seem to find any suitable options, don’t be afraid to do things the old-fashioned way: give the company a call and talk them through your problem, giving them the opportunity to help you find a viable solution. You might be surprised by the sort of deal they’re able to come back with.

If you’re a disabled driver, don’t settle for overly high prices and limited options: learn how to help yourself and make sure that you’re getting a fair deal just like everyone else.


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