Cover for adaptations used by disabled drivers
Car modifications can make a massive difference if you’re a driver with a disability.
We can cover any legal adaptation to your vehicle on a new for old basis, whether the whole vehicle has been converted by a specialist, or you are using aftermarket accessories to make a car more accessible. Our policies cater to modifications like:
- Hand or infrared controls to operate the accelerator and brake
- Modified foot controls like twin flip pedal transfers
- Swivel seats and lowered floors
- Steering assistance such as steering wheel knobs for greater control
- Wheelchair hoists, ramps and tail lifts to assist with getting in and out of the vehicle
- Conversions that allow you to drive from wheelchair
- Joystick steering and foot steering
- Cushions, covers and supports
- Adapted mirrors to aid vision if you have neck problems
- Adapted seat belts, harnesses or safety belts
- Wheelchair storage
- Electronic ring accelerators
- All wheelchair accessible vehicles (WAV) converted from cars and vans
Get a Disabled Driver Insurance Quote
Car insurance for disabled drivers and adapted vehicles
If your vehicle is modified in any way to cater for your disability, it is wise to talk to a specialist. In the event of an accident, you want to be sure that your adaptations are covered on a like-for-like basis and that you are dealing with people who know the difference between the various types of vehicle controls or access enhancements.
We aim to help disabled drivers gain access to the vehicle of their choice, whether that is a Caterham, adapted M3 or a wheelchair-accessible GMC van. If a number of people help take you around in the car, we have any driver cover available to help get you the cover you need.
Why choose Adrian Flux?
Our founder, Adrian Flux, was a disabled driver himself and was continually denied insurance for his Spartan kit car. This prompted him to set up Adrian Flux in 1973, and looking after the needs of disabled motorists has been a priority ever since.
Here at Adrian Flux, we know there are lots of different ways you’d want to adapt your car if you have a disability or mobility issues.
From accessories that make it easier to get in and out of the car to automatic steering assistance, with the appropriate adaptations, there’s no need to lose your independence or the freedom of the road. We know that the right kinds of adaptations can make you drive just as well as anyone else on the road, so we’re not afraid to get you a suitable insurance policy.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Wide range of extra benefits available
New for old
If your vehicle adaptations are lost or damaged and covered by this policy, we will pay for repair or replacement on a new-for-old basis. This means we’ll replace the old modification with a new version of the same value.
Manual wheelchair cover
Your manual wheelchair will be covered against accidental damage or loss while it is kept in your vehicle. Cover up to £1,500.
Loss of use
Can’t use your vehicle because it has been stolen or damaged? If our approved repairer is unable to supply you with a suitable courtesy car and the loss or damage is covered by your policy, we will pay up to £50 per day for a maximum of 14 days towards the cost of a taxi, bus, train or hire car.
FAQs
What are the rules for disability insurance such as Motability?
If you currently receive benefits for a mobility-related disability, you should be able to lease a car from the Motability scheme. Up to three people can be insured on a Motability car as long as they have a valid driving licence. This could include friends, family and carers. To find out more, read our in-depth guide to Motability insurance rules.
Are disabled drivers exempt from road tax?
Some disabled drivers are exempt from paying road tax. If any of the following apply to you, you could be eligible for road tax exemption:
- Higher rate mobility component of Disability Living Allowance (DLA)
- Enhanced rate mobility component of Personal Independence Payment (PIP)
- War Pensioners’ Mobility Supplement
- Armed Forces Independence Payment
Find out more about who’s eligible and how to claim road tax exemption in our blog.
What medical conditions have to be declared for car insurance?
A number of medical conditions must be declared when you apply for car insurance. If your condition affects your ability to drive safely, it’s usually best to disclose this to your insurer. Common conditions include sleep apnoea, epilepsy, strokes and physical disabilities.
To find out more, read our blog on what medical conditions must be declared for car insurance. This covers other conditions you must disclose, government bodies you need to declare medical conditions to, and the impact your condition might have on your insurance.
To find out more, just give our trained underwriters a ring to talk you through your needs and your options. They will quickly help you to find a quote with minimum fuss.
I’m a carer for a disabled person – can I get car insurance?
Yes, we provide car insurance for carers and personal assistants.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Company Car NCB
Company Car No Claims Bonus
Many insurers are unwilling to accept bonuses earned in company cars on private car policies, which can leave drivers unfairly paying over the odds for insurance, despite their many years of claim-free driving.
At Adrian Flux, we work with insurance companies that accept company car no claims bonus to help you get a fair deal on your private car insurance.
Once we receive confirmation from your employer or ex-employer of how many years company car insurance no claims bonus you earned, we can apply an equivalent discount to the insurance quote for your own car.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Public Liability
Public Liability Car Insurance From £19.99
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
