The ins and outs of choosing a car (view report contents)
Getting Insurance
Under the Disability Discrimination Act insurers are not allowed to refuse disabled drivers insurance or charge extra without justifying evidence. Premiums must be based on a reasonable assessment of risk.
Insurers will take account of any DVLA restrictions on your licence, but this is not in itself justification for a higher premium. However, you may have to pay more
- while you are adjusting to a new disability if there is evidence that this will increase the risk
- to cover any extra cost of repairing an adapted vehicle.
As with all insurance, shop around to get the best deal. If you feel you are being charged more for your policy than other drivers in similar circumstances, ask the insurance company for details of why they consider you to be a greater risk.
Mobility centres and organisations of disabled drivers have lists of specialist insurance companies.
Report contents
Introduction
Car design
Choosing a car
What to look for -
- Useful built-in features
- Getting in and out
- Seats and seating
- Major controls
- Secondary controls
- Accessories
- Loading and stowing
- Wheelchair users
- Staying in your wheelchair
- Buying second hand
Checklist
Techniques
Who can drive?
Getting insurance
Finance
Helpful organisations
Mobility Centres
Useful publications
Addresses
