Yes, if you have a medically restricted licence, you can still compare car insurance quotes.
It’s also worth bearing in mind that, according to the Disability Discrimination Act 2005, insurers cannot refuse cover on the grounds of your disability. The only exception is if your licence has been revoked by the DVLA due to your disability.
If you do have a restricted licence, insurers need to know about any restrictions on your licence, so you get the right level of cover.
It’s important to report any conditions you may have, as you can be fined up to £1,000 if you do not tell DVLA about a medical condition that affects your driving.
When you get a quote we’ll ask you whether:
Find out more about what medical conditions need to be declared for car insurance.
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Yes, you can. But it’s important to make sure they have the right level of cover.
For example, it’s a common assumption that if somebody has driving other cars cover as part of their comprehensive policy they can drive your car. But this clause typically only applies in emergencies.
For this reason, it’s important to make sure your carer has adequate cover. There are a few ways to do this:
It should be possible to get insurance cover for all disability modifications. Be aware though that modified car insurance tends to be more expensive, as any alterations you make to your car can make it trickier to repair or replace.
You need to declare any modifications when you’re getting a quote, otherwise you risk invalidating your policy.
The two most popular types of modification disabled drivers tend to make to their cars are body modifications and adapted controls.
This includes any changes you’ve made to the way the vehicle is controlled. This could be the acceleration, braking or steering of your car.
Things like joystick/tiller controls or throttle and brake hand controls come under this category.
We don’t ask you about these when you’re comparing quotes with us. But your car insurance provider might. So be sure to declare them whenever you can.
"Make sure your policy covers everything you need it to. If your car is specially modified, make sure your policy covers those modifications. If you have courtesy car cover, make sure you’ll get a car with the same adaptations if yours is off the road. You can check all this in your policy documents once you pick an insurer to go with. Or contact them directly and they’ll be happy to help."
Technically, no. Due to the Disability Discrimination Act 2005, insurers mustn't charge you more for insurance because of your condition.
In fact, Blue Badge holders may get a discount on their policies from some providers, as they can often park in safer, more secure parking bays.
But insurance might be more expensive if you're a disabled driver, not because of you, but on account of your vehicle. If you need to modify your car to accommodate your condition, this can increase the car’s value and make it harder to repair. This can push up the price of your insurance.
Certain equipment may also make your car a target for thieves, which increases your risk of making a claim, again pushing up your prices.
There's also the fact that more modern cars may be better suited to your needs. But newer cars are also more likely to fall into higher car insurance groups. The same goes for automatic cars, which some disabled drivers may find easier to drive. The higher the group, the more you'll tend to pay for your insurance.
9/50
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Yes. Many people with disabilities find it difficult to manage their own policies, due to the communication or admin required. If you want to nominate someone else to handle your policy for you, your insurer should let you do this. They will need to be able to verify your details for data protection though.
Some policies will come with courtesy car cover included, while others will have it as an optional add-on.
As a disabled driver, it’s important to make sure any courtesy car you get has the same adaptations as your own vehicle. For this reason, you should contact your insurance provider to double-check this before you take out your policy.
Some insurance providers may offer a mobility allowance. This means you’ll be able to pay for alternative transport if they’re unable to provide a suitable vehicle.
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Page last reviewed: 10 July 2024
Reviewed by: Louise Thomas
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