Understanding the ins and outs of insurance is important for maintaining the safety and security of your Wheelchair Accessible Vehicle (WAV).
WAVs are a type of disability car that provide enhanced mobility and independence for disabled people through special adaptations such as lowered floors, ramps and wider or reduced seating to accommodate a wheelchair. Owning one means adhering to many of the same rules and regulations as other drivers on the road, which is why today we are taking a closer look at car insurance for this type of vehicle.
This article aims to provide an overview of how WAV insurance works, along with some tips and hints on how to research and manage the different options available to you. Please keep in mind that this post is not financial advice but rather a guide to provide a better understanding of what to expect while insuring a WAV.
Do you need to insure a WAV?
Absolutely – insuring a WAV is compulsory. To drive legally in the UK, a WAV, just like any other vehicle on the road, must be insured. Insurance not only protects you financially in the event of an accident, theft, or damage, but it also gives you peace of mind because you and your passengers are insured should an accident happen. Given the particular characteristics of WAVs, the policy must cover both the vehicle and any further modifications that have been made to accommodate a wheelchair.
Who can be insured on a WAV?
In most cases, the primary insurance policyholder is the person for whom the car has been modified. However, not all disabled people can drive, and this means that, in certain cases, others can be insured to drive the WAV – this usually includes family members and carers.
WAV insurance policies typically cover numerous drivers. The actual number may differ depending on the insurer. However, it’s usual to have up to three designated drivers on a policy. This flexibility ensures that the disabled person can receive help from different people as needed without any insurance issues.
Insurance pricing for wheelchair accessible vehicles
One of the most common concerns for WAV owners is the expense of insurance. Insuring a WAV can cost more than insuring a normal car. This is mainly due to the modifications and adaptations, which can be expensive to fix or replace. However, this does not imply that WAV insurance is excessively expensive; several insurers provide competitive specialist car insurance rates customised to the specific needs of WAV owners.
Being a Blue Badge holder doesn’t automatically lead to cheaper insurance. However, some insurers may offer discounts or ask about Blue Badge status in their risk assessment questions, potentially leading to some reasonable rates.
Sometimes, insurance payments can be offset by benefits such as Personal Independence Payment (PIP) or Disability Living Allowance (DLA). While the allowance itself doesn’t directly cover insurance costs, the funds received can be used towards the cost car insurance.
If you’re part of the Motability Scheme, insurance is typically included in the package.
How insurance works with the Motability scheme
Funded by the U.K. government, the Motability Scheme helps disabled people lease a new car, scooter, or powered wheelchair using their mobility allowance.
One significant benefit of the Motability scheme is that it includes insurance for the vehicle. The cost of insurance is covered by the scheme, so you don’t have to worry about finding separate insurance for your WAV. Motability insurance is arranged automatically once you lease a WAV through the scheme. What’s more, the insurance is fully comprehensive, covering everything from accidental damage to theft, ensuring you have full protection.
The Motability Scheme also includes other benefits such as breakdown cover, servicing and maintenance, plus tyre and windscreen replacement, making it a convenient and cost-effective choice.
Read more about financial help for the disabled on the government website.
Here to help
While insuring a Wheelchair Accessible Vehicle requires a few more considerations than conventional motor insurance, it’s certainly manageable. Whether you insure a vehicle independently or through the Motability Scheme, knowing your options can help you make the best decision for your needs.
For disabled drivers and passengers based in Suffolk, Essex, Norfolk, and Cambridgeshire, Ransome Mobility Solutions provides a comprehensive range of WAVs. We’re proud to offer a selection of manufacturers and adaptations that provide maximum comfort and convenience for drivers and passengers.
Browse our range of wheelchair accessible vehicles for sale today, or contact our friendly experts for assistance on the right vehicle for you. Your mobility and peace of mind lie at the heart of everything we do and, whether you want to travel down the road or across the country, we’re here to help you keep your independence through our reliable and innovative vehicle solutions.