Disability Car Insurance

This is the basic coverage and the most affordable insurance for mobility scooters. It covers damage you cause to third parties with your mobility scooter, but not damage to your own mobility scooter.

You save money by choosing third-party liability coverage, but in the event of damage, this choice could backfire. That’s because the insurer only covers damage caused to others. Suppose you cause a collision with another car while driving your wheelchair-accessible vehicle. The damage to your car totals €2,500. Your insurer will cover the damage to the other party. You will not receive any payment for the damage to your own vehicle. You will therefore have to pay the €2,500 in damages yourself. If the other party is liable for the damage, you can seek reimbursement from them.

This is the most comprehensive coverage available for a wheelchair-accessible vehicle insurance policy. In addition to liability coverage, damage to your own wheelchair-accessible vehicle is now also covered in the event of, among other things, fire, theft, storms, collisions, and broken windows.

Disability car insurance always runs through May 1 of the following year. For example, if you purchase a policy on June 1, the coverage will run from June 1 through May 1 of the following year. After that, the insurance company will renew the policy for one year at a time.

Yes, there may be a deductible with disability car insurance. The deductible is the portion of the costs that you must pay yourself when you file a claim. The deductible is usually a fixed amount that you must pay yourself, regardless of the damage you’ve sustained, and applies to comprehensive coverage. The deductible varies by insurer, and it’s important to carefully read the terms and conditions of your policy before purchasing insurance.

By law, you are required to have at least third-party liability insurance for your wheelchair-accessible vehicle.

You can get an insurance quote and purchase a policy directly through our website. However, you may not drive the wheelchair-accessible vehicle on the road immediately after applying for insurance. First, you must affix an insurance plate or sticker to your vehicle. You will receive these from the insurer once your application has been approved and the policy has been issued. They will be mailed to you.

When you apply for insurance, you must specify the driver. If someone else was driving at the time of the accident, this may affect the insurance payout. The insurer will assess this on a case-by-case basis.

When you sell your accessible vehicle to someone else, that person is not allowed to drive it using your insurance plate. The person who buys the accessible vehicle must apply for a new insurance policy themselves.

Insurance policies for a wheelchair-accessible vehicle run from May to May. This means you always purchase the policy for that entire period. You pay the premium annually.

If the insurance doesn't take effect until October, it will continue through May of the following year.

If you cancel the insurance within the year, you will, of course, receive a refund for the excess premium you paid.

If the insurance policy is canceled within the year, you will receive a refund for the excess premium paid.

When you insure a wheelchair-accessible vehicle, you’ll receive an insurance tag or sticker. You’re only allowed to drive on the road with it. If you sell the wheelchair-accessible vehicle, the insurance tag or sticker must be returned to the insurer. You can send it directly to them or through us. Once the insurer has received the insurance tag, the insurance policy can be canceled.