Insuring your Wheelchair Accessible Vehicle
WAV insurance Insuring Your Wheelchair Accessible Vehicle When you buy a wheelchair accessible vehicle, it is important to choose insurance […]
Insuring Your Wheelchair Accessible Vehicle
When you buy a wheelchair accessible vehicle, it is important to choose insurance that understands adapted cars, wheelchair accessible vehicles and the needs of disabled drivers and passengers.
Wheelchair Cars works with Fish Insurance because they specialise in disability and mobility insurance, including cover for adapted cars and WAVs.
Your vehicle may not be standard, so your insurance should understand that
Adaptations are usually added to make a vehicle more practical and accessible, not to improve performance or appearance. A specialist insurer should understand why those changes matter.
Adapted Vehicles
Cover designed for cars that have been modified for disability or mobility needs.
WAVs
Insurance for wheelchair accessible vehicles, including adapted layouts and accessibility equipment.
Mobility Needs
A policy designed with disabled drivers and passengers in mind.
Get specialist car insurance for your WAV
Fish’s disability car insurance can cover adapted cars and wheelchair accessible vehicles. You can arrange a quote online at a time that suits you.
It is always worth comparing the benefits of specialist disability car insurance against a standard policy, especially if your vehicle has a ramp, lowered floor, wheelchair restraints, driver adaptations or mobility equipment.
Always tell your insurer about any adaptations on the vehicle. Undisclosed modifications can cause problems with cover.
Examples of features to look for
The details below are based on the information supplied for this page. Always check Fish’s latest policy wording, IPID and quote documents before buying.
Courtesy Car
If your car is being repaired by an approved garage, Fish says they will try their best to provide a courtesy car that meets your mobility needs.
Restrictions may apply, including where the car is stolen and unrecovered, not being repaired, or taken to a garage of your choice.Breakdown Cover
Breakdown support may include repair or recovery. If roadside assistance or a temporary repair is not possible, onward transportation may be arranged within policy limits.
European cover may be available at extra cost. Parts are usually not included.Car Adaptations
Fish states that loss or damage to vehicle adaptations can be covered for replacement as new, up to the limit shown on your schedule.
Deliberate damage and undisclosed changes or modifications may be excluded.Personal Belongings
Fish’s car insurance page states that mobility aids being transported in the vehicle may be covered up to £2,500, with separate limits for personal belongings. :contentReference[oaicite:1]{index=1}
Always check exclusions, including unlocked vehicles and excluded items such as money, vouchers or portable electronics.Read the policy wording and insurance documents
The information on this page is only a summary. The full terms, limits and exclusions will be shown in the policy wording, Insurance Product Information Document and your own quote documents.
Fish’s downloads page includes current policy wording, IPIDs and terms of business for its insurance products. :contentReference[oaicite:2]{index=2}
- Check what adaptations are covered
- Confirm whether mobility aids are included
- Check courtesy car wording carefully
- Review breakdown cover limits
- Read all exclusions before buying
- Make sure all vehicle modifications are declared
About Fish Insurance
Fish Insurance is a trading name of Fish Administration Ltd, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 310172.
Fish Administration Ltd is registered in England and Wales. Company Registration Number 4214119. Registered office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW.
Cover your wheelchair accessible vehicle
Arrange a quote online with Fish Insurance, or speak to our team if you need help choosing the right WAV before you insure it.
This page is general information only and is not financial advice. Always read the latest policy documents, quote schedule, terms and exclusions before buying insurance.