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Car insurance for disabled drivers

Drivers with disabilities - compare car insurance quotes to find the right cover

Do drivers with diabilities pay more for car insurance?

The Disability Discrimination Act 2005 makes it an offence for insurers to refuse car insurance on the grounds of disability, or to discriminate by charging higher car insurance premiums to drivers with disabilities. You’ll get the same level of cover offered as anybody else.

However, drivers must inform the DVLA of any notifiable medical conditions or disabilities and keep them up to date if these deteriorate.

Do drivers with disabilities pay more for car insurance?

What you need to declare

Motability Scheme

What’s the Motability Scheme?

If you qualify for the higher-rate disability living allowance, you’ll be eligible to join the Motability Scheme.

You can lease a new car with comprehensive insurance, road tax, servicing and maintenance, breakdown cover and replacement tyres and batteries included as part of the package.

The car insurance will cover up to two named drivers. You’ll have a 20,000-mile driving allowance per year for up to three years, and cover for window and windscreen repair or replacement.

The car can also be modified to suit your needs at no extra cost.

Carers and parents can drive on behalf of the disabled person, and so can parents of children from the age of three. Non-drivers can make an application on their behalf too.

Blue Badge scheme

What’s the Blue Badge scheme

With a Blue Badge you can park in designated disabled spaces that are closer to your destination.

You can only get a Blue Badge from your local council or online from It costs up to £10 in England, £20 in Scotland and is free in Wales. Applying is different if you’re in Northern Ireland.

Full details on how to apply, eligibility criteria and what happens after you’ve applied can be found on the Citizens Advice website.

The Papworth Trust found that driving’s the most popular form or transport for those with mobility difficulties, with 38% driving themselves[2]

What aspects of cover will you really need?

Here are a few things you might want to think about when comparing disabled driver's car insurance:

  1. What’s covered

    Check to see whether your wheelchair, hoists or ramps are covered, if you have them

  2. Car modifications

    Swivel seats, hand controls and hoists are just a few modifications you might need your insurance to cover

  3. Replacement vehicle

    Will this be provided if you have an accident? Make sure the courtesy car caters to all your needs, like your usual vehicle

  4. Alternative transport

    If a suitable courtesy car isn’t offered, find out whether taxi or bus fares will be reimbursed

  5. Policy type

    Can carers be added as named drivers? Can your car be covered for business use?

  6. Shop around

    If you can’t find the cover you need, check out specialist insurers such as Fish Insurance, En Route and Chartwell

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[2]Disability in the United Kingdom 2018’ by the Papworth Trust