Do you pay insurance on a mobility car?

If you are disabled, your day-to-day life could involve various difficulties with which you need special help. Therefore, you wouldn’t want expensive insurance premiums to be added to your hardships – and, thankfully, they don’t have to be. Legislation has outlawed the practice of insurers charging higher premiums – or outright refusing cover – for disabled people.

While this news could come as a huge relief, you might have also heard murmurs of even better news that, if you use a mobility car, you can have it insured for free. Is this true? This isn’t a straightforward question to answer, so let’s clear what could initially look like muddied waters.

Being a disabled driver can have various adverse implications

As a disabled driver, you will have particular responsibilities which don’t pertain to your non-disabled counterparts. For example, if you have a disability issue which could affect your driving, you must impart this to the Driver and Vehicle Licensing Agency (DVLA).

Failing to inform the DVLA in this situation would risk your existing insurance policy as well as endanger both you and other drivers on the road. You could also be prosecuted, not to mention fined as much as £1,000. Health conditions about which you have to notify the DVLA include the likes of schizophrenia, bipolar disorder and heart problems.

However, assuming that your condition and, from your doctor, a consultation hasn’t barred you from driving, you might still have mobility problems. Hence, you could feel the need to obtain a mobility car – and there’s one particular way of obtaining this car especially cost-effectively.

An introduction to the Motability Scheme

The Government offers various types of allowance for people whose mobility is hindered. These allowances include War Pensioners’ Mobility Supplement (WPMS) and Armed Forces Independence Payment (AFIP), either of which could be traded for the leasing of a mobility car.

This is possible under the Motability Scheme, as the scheme’s website explains. You would also be eligible to capitalise on this scheme if you are in receipt of the Higher Rate Mobility Component of Disability Living Allowance (HRMC DLA) or the Enhanced Rate of the Mobility Component of Personal Independence Payment (ERMC PIP).

Whichever of these four types of mobility allowance you are receiving, you would need to have a minimum of 12 months’ award length of this allowance remaining to be eligible for the Scheme. If you are eligible, it wouldn’t be just the mobility car itself from which you could benefit.

That’s because insurance is included in the overall package available from Motability. Breakdown cover, servicing and maintenance and annual car tax are other costs absorbed by this package. Nonetheless, you should be diligent in making sure that you stay within the package’s limits.

Costs to save, but also – potentially – costs to spend

One especially powerful incentive of using the Motability Scheme is that, if you need to make special adaptations to the vehicle to ease your mobility struggles, the expense of many changes is likely to be covered by the Scheme, says the What Car? site.

This is especially easy to appreciate given that, due to the Disability Discrimination Act 2005, you shouldn’t even see hikes in your insurance premiums as a result of arranging for such adaptations. That’s on the assumption that you would still need to pay insurance, which could sadly be the case…

If you would deem yourself challenged in mobility but still don’t meet the eligibility criteria set out for the Motability Scheme, you will need to apply for car insurance in the usual way. This situation doesn’t have to prove as financially prohibitive as you might anticipate…

Need to pay for cover? We can help you to lower the burden

Do you fall into that tricky gap between suffering from hampered mobility but not being able to take advantage of the Motability Scheme? Rest assured that you can find some much-needed solace, as we are price-conscious in our efforts to find car insurance for disabled drivers.

There are various reasons – other than the previously mentioned Disability Discrimination Act 2005 – why disabled drivers are entitled to affordable insurance. One reason is that, as revealed in research by the disability charity Papworth Trust, disabled drivers do 47% less commuting than non-disabled drivers. Therefore, they pose less risk on the road than what might have previously been thought.

Meanwhile, if you hold a Blue Badge because your mobility problems necessitate you parking nearer the place to which you will walk from your car, you can utilise special discounts. These savings can be factored into quotes that we provide for car insurance for disabled drivers.

After we answer your call on 0333 003 3270, you can receive a quote in under ten minutes. That quote will have been selected from a range of policies that are available from insurers with which we work. After all, we want to assist you in finding the most financially rewarding deal.

We have streamlined the process of applying for an insurance quote through Call Wiser. Hence, it is delightfully simple to get a quote on car insurance for disabled drivers.

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