Car Insurance Tips and Options for Differently-Abled Drivers

For differently-abled drivers, driving is more than just mobility. It represents independence, access and convenience. While insurers do not offer disability-specific motor insurance policies, existing policies can be adapted to cover modifications such as hand controls, ramps or customised seating.

Legally, all drivers are required to hold at least third-party car insurance, but differently-abled individuals may also consider broader coverage to protect their vehicles and adaptive features.

Types of Car Insurance

Here are the three main types of insurance policies available for all drivers, including those with mobility requirements:

● Third-party insurance

This mandatory policy covers injury or property damage caused to a third party. It does not extend to the insured vehicle or adaptive modifications.

● Standalone own damage insurance

This policy safeguards the insured’s car from accidents, theft or fire, but it requires an existing third-party plan. For adapted cars, it can be useful when repairs are needed for structural damage or equipment.

● Comprehensive car insurance

This combines liability and own damage cover. In many cases, it also extends to adaptive equipment if declared. Comprehensive care insurance may include personal accident coverage, which can provide financial support in the event of injury or disability resulting from an accident.

Vehicle Modifications and Insurance Implications

Adaptive modifications help individuals with disabilities operate their vehicles comfortably. These can include:

• Hand controls and steering knobs
• Left-foot accelerators
• Wheelchair ramps and lifts
• Customised seating and pedal extensions

Such changes increase the car’s overall value. Insurers need to be informed about these modifications and receipts or documentation should be maintained. If not disclosed, claims relating to the modified parts may be denied.

How Disability Can Affect Car Insurance Costs

Premiums for policies depend on various aspects and some additional points may apply to differently-abled drivers, such as:

• Cost of modifications: Adaptive features can increase the Insured Declared Value (IDV), which may slightly raise premiums.
• Driving licence conditions: Endorsements or notations on the licence may be reviewed by insurers.
• Claims record: A history of safe driving and no claims can help reduce costs over time.
• Perceived risk: While some insurers may view adaptive equipment as a higher repair risk, awareness and inclusivity in the sector are gradually changing this perception.

Factors to Consider Before Choosing a Policy

The right policy for differently-abled drivers must account for accessibility, modifications and ease of use.

Here is what to check before buying a policy:

• Vehicle modifications: Ensure all adaptive changes are included in the policy documentation.
• Add-ons: Riders such as zero depreciation, roadside assistance, return-to-invoice and engine protection can prove useful when modifications are costly.
• Repair support: Only certain garages may be equipped to repair adapted vehicles. Cashless services at authorised garages can be helpful in emergencies.
• Digital access: Online claim filing and policy renewal simplify processes for drivers who may prefer to avoid in-person visits.

Steps to Choose the Right Plan

A structured approach can simplify the process of selecting suitable coverage:

• Assess needs: Consider frequency of driving, parking arrangements and adaptive equipment.
• Shortlist insurers: Look at claim settlement performance, accessibility of customer support and clear policy wording.
• Customise with add-ons: Riders can help address specific needs, especially for high-value adaptive devices.
• Check exclusions: Exclusions often include unauthorised modifications. Reading the policy wordings helps avoid surprises during claims.
• Purchase smartly: Online policies often offer simpler processes, quicker approvals and smoother claim handling.

Conclusion

For differently-abled drivers, insurance is not just about compliance but also about ensuring protection for adaptive features and mobility needs. Modifications such as ramps or hand controls add significant value to a car and policies need to reflect this reality. Declaring changes, maintaining receipts and carefully reviewing inclusions are crucial steps in safeguarding against unexpected costs.

(Disclaimer: Devdiscourse's journalists were not involved in the production of this article. The facts and opinions appearing in the article do not reflect the views of Devdiscourse and Devdiscourse does not claim any responsibility for the same.)