Car Insurance for Disabled People

By | Last Updated: 17th September 2019 | This post may contain Affiliate Links

Car insurance for disabled people has certainly come along way over the last decade or so. The modern advancements of car technology have really opened the door for disabled drivers.

Most cars now can easily be adapted to suit individual needs, this obviously gives disabled drivers the freedom they deserve.

Unfortunately compared to non-disabled customers, disabled drivers still have to ‘jump through’ more hoops than a regular driver does when it comes to car insurance.

Even though quotes are becoming more competitive, some Insurers still require a large amount of information before they can work out any premiums. Even more interestingly its been stated that disabled drivers, drive around 48% less often than non-disabled drivers! On these figures their chances of being in an accident decrease dramatically.


Historically most insurance companies are weary to offer cover for heavy car modifications, and if they did offer a policy it usually meant high premiums. Typically it’s ‘boy racers’ who make heavy modifications to vehicles, so insurance providers naturally felt they’re be driving too fast and be more likely to end up in an accident. Thus, the higher premiums were reflected of the situation

However as you would expect, this isn’t the case for a disabled driver, who is typically going to need a car with modifications to suit their own individual medical requirements. This basically meant disabled drivers only had a small number of insurers to choose from, which resulted in higher prices compared to other motorists on UK roads.

The British Government realised this was simply unfair and introduced the Disability Discrimination Act 2005. Part of this act includes making an offence for insurers to refuse cover on the grounds of disability or to discriminate by charging higher premiums to drivers with disabilities.

Pro Tip: When you’re searching for an insurance deal, remember to fully read all of the documentation and so know exactly what is and isn’t covered. For example, is a car, which carries a wheelchair or ramp, covered, should an accident occur? What about hand controls or other technological devices? Sometimes Insurers may only provide insurance for the car itself, without the tailored modifications.

UK Motability Scheme

UK Motability Scheme

The Motability Scheme can be a great alternative for people who have been quoted huge premiums from insurance providers. The scheme enables disabled people to get mobile by exchanging their mobility allowance to lease a new car, scooter or powered wheelchair. The Motability Scheme currently has around 600,000 customers already making the most of their freedom and independence.

Before you can lease a car through the Motability Scheme, you’ll need to make sure you’re happy to lease a car within the Scheme’s terms and conditions.

The car is used by, or for the benefit of, the disabled person. This does not mean that the disabled person needs to be in the car for every journey. In practice, this means other named drivers in the household can use the car for shopping and other routine activities, as long as the disabled customer will benefit.

Misuse of the scheme generally includes:

•  Not giving the disabled person the benefit of the car.

•  Driving whilst uninsured or banned.

•  Using the car in a criminal act.

•  Lending, sub-leasing or selling the car.

•  Using the car for unauthorised business purposes, for example, as a taxi or delivery vehicle.

•  Not taking proper care of your car


Looking for a Grant?

The Motability Scheme can offer a few different ways of helping disabled drivers get onto the road. Motability can provide Charitable Grants towards:

•  Car adaptations – such as wheelchair hoists and Infra Red controls.

•  Vehicle Advance Payments – often for larger more expensive vehicles.

•  Driving lessons – make the most of your independence and learn to drive in your Motability Scheme car.

Click here to visit the Mobability Scheme’s official website for more information.