Disabled Driver Car Insurance

Compare Car Insurance Quotes For Disabled Drivers

  • Compare 120+ insurers
  • You could save up to £515*
  • Find a great deal today
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Compare insurance quotes from the UK’s leading diabled driver car insurers including:

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Why Compare Disability Car Insurance At SimplyQuote.co.uk?

Finding the right car insurance as a disabled driver doesn’t have to be complicated. Whether you drive a standard car, an adapted vehicle, or a Motability car, ensuring you have the right policy gives you peace of mind on the road.

SimplyQuote, in partnership with Quotezone, helps disabled drivers compare quotes from leading UK insurers. In just a few minutes, you can access tailored policies that consider vehicle adaptations, mobility aids, and personal injury protection. Many insurers offer competitive rates for disabled drivers, and comparing quotes ensures you’re not overpaying while securing the best cover for your needs.

What Do You Need To Get A Quote?

Why Do Disabled Drivers Need Car Insurance?

What Types of Car Insurance Are Available for Disabled Drivers?

Disabled drivers can choose from different types of policies to ensure their vehicle and any modifications are adequately covered.

Adapted Vehicle Insurance

For vehicles with hand controls, wheelchair lifts, or specialist steering modifications, a standard policy may not provide full protection. Choosing a specialist provider ensures these adaptations are covered in case of damage or theft.

Mobility Scheme Insurance

If you lease a car through the Motability Scheme, insurance is typically included as part of the agreement. However, if you own your adapted car, you’ll need private insurance to ensure full coverage.

Carer or Named Driver Cover

Many disabled drivers rely on carers or family members to drive their car. Specialist policies allow carers to be the main driver while keeping the disabled individual as the policyholder.

Pay-as-You-Go (PAYG) Insurance

If you drive infrequently, PAYG insurance charges based on mileage, which could help reduce costs for disabled drivers who only use their car occasionally.

Blue Badge Holder Insurance

Some insurers offer discounted insurance for Blue Badge holders, as they are often seen as lower-risk drivers. These policies may also provide enhanced cover for parking-related incidents.

What Levels of Car Insurance Cover Are Available for Disabled Drivers?

What Optional Add-ons Are Available for Disabled Drivers?

In addition to selecting the right level of cover, disabled drivers can enhance their policy with optional extras. These add-ons provide additional protection and help cover unexpected costs.

Breakdown Cover

Provides roadside assistance, with some policies including specialist recovery for wheelchair-accessible or adapted vehicles.

Carer or Named Driver Cover

Ensures a carer, family member, or friend is insured to drive the vehicle when needed.

Courtesy Car Cover

Provides a replacement vehicle while yours is being repaired. Some policies offer adapted courtesy cars for disabled drivers.

No-Claims Bonus (NCB) Protection

Allows you to make a claim without losing your no-claims discount, helping to keep future premiums lower.

Legal Protection Cover

Covers legal expenses in case of disputes, uninsured losses, or accident-related claims.

Personal Accident Cover

Provides financial support for medical expenses or rehabilitation if you sustain a serious injury in an accident.

These add-ons can provide valuable peace of mind, but they increase premiums, so it’s important to choose only those that suit your specific needs.

*51% of consumers could save £515.24 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

How Much Does Car Insurance Cost for Disabled Drivers?

How To Compare Disabled Drivers Insurance At SimplyQuote.co.uk?

Comparing car insurance doesn’t have to be time-consuming. SimplyQuote makes it easy for disabled drivers to find the best deals from leading UK insurers.

  1. Enter Your Details – Age, driving history, and any medical conditions or vehicle adaptations.
  2. Select Cover Type – Choose Third-Party, TPFT, or Fully Comprehensive insurance.
  3. Add Named Drivers – If a carer or family member regularly drives your vehicle, they should be included in the policy.
  4. Consider Add-Ons – Look at extras like breakdown cover or No-Claims Bonus Protection.
  5. Compare Policies – Review quotes from insurers offering specialist cover for disabled drivers.
  6. Secure Your Policy – Apply online and get immediate cover.
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Frequently Asked Questions

Do disabled drivers get cheaper car insurance?

Not automatically. However, some insurers recognise that disabled drivers tend to have a lower accident rate and drive fewer miles, which may lead to lower premiums. Comparing policies is the best way to secure an affordable deal.

Can I get insurance if my car has been adapted?

Yes. Many insurers offer adapted vehicle insurance that covers modifications such as hand controls, wheelchair ramps, and steering aids. Always ensure adaptations are declared when applying for a policy.

Do I need to tell my insurer about my disability?

Yes, but only if your condition affects your driving. The DVLA requires drivers to declare medical conditions that may impact their ability to drive safely. Failure to disclose this information could invalidate your insurance.

Does the Motability Scheme include insurance?

Yes. If you lease a car through the Motability Scheme, insurance is included in the package. However, if you own your adapted vehicle, you’ll need to arrange separate insurance.

Can I add a carer or family member as a named driver?

Yes. Many insurers allow carers, family members, or personal assistants to be added as named drivers. This is useful for disabled drivers who share their vehicle with someone else.

What is the best type of car insurance for disabled drivers?

Fully Comprehensive insurance is usually the best option, offering the most protection for both your car and third-party claims. It’s often cheaper than Third-Party Only policies.

Will my Blue Badge help me get cheaper car insurance?

While a Blue Badge itself doesn’t directly impact your premium, it may help if it allows you to park in a safer, more secure location, reducing the risk of theft or damage.

Do I need business car insurance if I drive for work?

If you use your car for work-related travel (beyond commuting), you may need a business-use policy to stay fully covered. This applies to roles such as carers, support workers, or those who visit clients in their vehicle.

Can I get a courtesy car if mine needs repairs?

Yes, but standard courtesy cars may not be adapted. If you require a wheelchair-accessible courtesy car, check with your insurer before purchasing an add-on or selecting a policy that guarantees a suitable replacement vehicle.