Disabled Driver Insurance

Adrian Flux was a disabled driver himself. He founded the company that bears his name in 1973 after struggling to get insurance for his beloved kit car, and looking after the needs of disabled motorists has been a priority ever since. While the disabled motoring landscape has changed enormously since those early days, we have tried to stay true to our principles.

Cheap Car Insurance for Drivers with a Disability

Disabled drivers have always had difficulty in obtaining a policy from the mainstream insurers, and although they have bucked up their ideas since the Disability Discrimination Act came into force, their lack of expertise with modified and disabled adapted vehicles can often leave them struggling to compete on price or quality of service. Whilst Motability has made huge inroads in helping people onto the roads, there are many people who do not fit their eligibility criteria, or are unable to take up the insurance component due to their prior history or current circumstances.

The needs of disabled drivers have helped shape Adrian Flux into the company it is today. Our kit car insurance expertise was acquired when our founder set up schemes to cater for his fellow disabled kit car owners. We became specialists in modified car insurance, including mobility adapted vehicles of all types.. And american car insurance became another string to our bow, because disabled drivers started importing vehicles from the USA - in those days automatic transmissions were an unreliable rarity in European models, and with the superior ride quality on offer made them a popular choice. And as manufacturers from the Land of the Rising Sun produced models for their home market which were eminently suitable for conversion into wheelchair accessible vehicles, we were able to offer insurance for japanese imported vehicles.

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 consult with 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 different 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. And with insurance for drivers from age 16, cover for carers and, if required any driver policies available, we have built our policies around the needs of the disabled community.

We also accept Motability claim-free driving in lieu of NCB.

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. Among the adaptations we can cover are:

  • Ramps
  • Tail Lifts
  • Person and Wheelchair Hoists
  • Adapted Controls
    • Tiller Controls
    • Steering Wheel Balls
    • Joysticks
  • Transfer Seats
  • Wheelchair Storage
  • Restraints and Belts
  • Side Steps
  • Winches
  • Electronic Ring Accelerators
  • Throttle and Brake Hand Controls
  • Twin Flip Pedal Transfers
  • Handbrake adaptations
  • Infra Red Controls
  • Child Harnesses
  • All Wheelchair Accessible Vehicles (WAV) converted from cars and vans

Dependent on the scheme, we can also supply you with a loss of use allowance, in the event that a suitable courtesy car is not available and cover your manual wheelchair against accidental damage or loss while it is kept in your vehicle.

Simply click the button to arrange a free call-back at a convenient time, or call us now on 0800 089 0146 for your specialist, bespoke insurance quote.

With over 40 years experience, Adrian Flux has a reputation for designing insurance that matches your particular needs to your budget. We offer flexible and competitive quotes for all circumstances, sourcing the best available scheme for you from amongst the many offered by our panel of over 40 insurers. Why waste your time ringing round dozens of companies when we can do it for you? If you do ring round, come to us last we will do our very best to beat the cheapest quote you get.*

We also understand that finding insurance can be a chore, and making sure you get the best deal is our top priority, so our cover is designed to be as simple and as useful as possible, as well as highly competitive.

Our staff are all seasoned insurance experts and will calculate your premium individually, using their expert knowledge of the many insurance schemes on offer.

Due to the type of cover we provide, all our policies are designed especially for particular situations and our staff have a high degree of knowledge in this field. This is not an on-line quotation system using computer rates. Instead each risk will be individually calculated by our expert staff.

Quicker & Cheaper rates by phone complete the call me form during office hours (9am to 7pm Monday to Friday & 9am to 4pm Saturday) for an immediate, no-obligation quote.

Please note that we can offer cover for drivers with disabilities in almost any situation. Please note that we have specialist schemes for Classic Car Insurance, American Cars, Current Standard Car Insurance, Import Car Insurance, Van Insurance and Hot Hatches Insurance.


What are 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 apnea, 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.

Related Links

Travel insurance for disabled drivers

Car insurance for disabled carers

WAV insurance

Mobility scooter insurance

Car insurance for Blue Badge holders

Electric wheelchair insurance