Having a disability can often mean an individual needs to rely on others or tailored equipment for mobility. Getting around can pose numerous obstacles, but in many cases cars can be tailored to suit an individual’s needs, and help them to achieve a great deal of independence.
Many people overcome significant disabilities whilst traveling independently and a car is often critically important to maintaining this independent lifestyle. Having a car tailored to an individual’s needs can be expensive, and there is also the question of insurance – where can you secure the right bespoke approach?
As a car is essential to maintain independence, disabled drivers naturally take great care of their vehicles, drive carefully, and predominantly use their cars for local travel. This reduces the risks of accidents or damage, and specialist insurers recognise this. As a result, there are some very competitive deals on the market today.
While many insurers will offer insurance to disabled people, depending on the specific situation and needs, it may be difficult to find the right deal. An insurer that offers specific disabled drivers insurance is highly recommended.
The trick, as in most cases, is to do your research and find an insurer who understands the needs of disabled drivers and the central role transport plays in ensuring their independence. Chartwell Insurance provides very specialist insurance for disabled drivers. They have experienced underwriters with extensive knowledge of providing bespoke insurance which means they don’t need to ask unnecessary or overly personal questions about a specific disability.
Blue badge holders
As a disabled driver, being able to park your vehicle conveniently in allocated disabled parking areas can be extremely important. If you are a blue badge holder, there are a range of options available and you must do your research. Finding an insurance provider that understands specific needs and issues, such as the use of driving aids and is DVLA notifiable with underwriters experienced in dealing with the common issues that arise. Again, Chartwell Insurance can offer specific insurance for almost any situation.
Some of the common benefits contained within your insurance package:
- Extensive cover for your wheelchair while stored in your car
- Any driver cover and cover for carers
- No claims discounts
- A courtesy car following an accident, subject to availability of suitably adapted cars
- Approved repairers who understand the complexity of adaptions and the individual needs of drivers
There are a wide range of solutions available. If you need disabled car insurance, ensure that you carry out extensive research and talk to a specialist provider to get the best deal.