August 14, 2018

Insurance options for disabled drivers

 Motability is a scheme to help disabled drivers get vehicles such as cars, powered wheelchairs and scooters on contract hire. It enables disabled drivers to rent specially modified vehicles at an affordable cost that also includes maintenance cost, insurance and breakdown cover. Motability is available to anyone who qualifies for higher rate mobility component of Disability Living Allowance (DLA) or war pensioners’ mobility supplement. The scheme is also open to parents or carers of children who qualify for the higher rate mobility component of DLA.

How Motability works

The Motability scheme allows for disabled drivers to lease cars that are modified for their mobility needs. The majority of cars leased will take up your entire Motability allowance unless you opt for a small vehicle. If you opt for a more expensive vehicle, you may be required to pay an upfront cost that will vary depending on what vehicle you want. If you cannot afford to make this advance payment, you can apply for help from the Motability charitable fund who will assess your case.


Motability has helped many disabled drivers in the UK reclaim their independence, and this is undoubtedly a great thing as it has also allowed for those who do not qualify to have access to a stream of affordable, second-hand modified vehicles. The problem is that not every disabled person can qualify for Motability and this can be down to a number of reasons:

•             You don’t qualify for the higher rate mobility component of Disability Living Allowance.

•             You want a vehicle that does not appear on their list.

•             You have a history of insurance claims.

•             You have some form of driving convictions.

This means that if you are a disabled driver, you have to find an insurer that will cover you, and often this can be quite expensive. Insurers such as Chartwell Insurance will allow drivers who used to be on the Motability scheme to have an introductory discount, insuring almost any kind of vehicle they may have.  There have been many problems with the Motability scheme in some cases where disabled drivers have allowed friends or family use their car, and as a result some have lost their allowance.  One advantage of using another insurer over the Motability scheme is that you can have other people use your car without risking your insurance policy.

Finding the best insurance option depends on what you qualify for, as well as the vehicle you wish to insure. Be sure to investigate specialist insurers, and use price comparison websites to find the best deals.

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