Your vehicle may not be standard, so neither’s our insurance
Get your cover online
Insure your vehicle at your convenience. You can choose to insure on our website, or by phone.
Designed with you in mind
We offer specialist car insurance designed with those who have disabilities in mind.
Protect your adaptations
Our policy has tailored features to cover your adaptations. Find out more in the key features below.
Car Insurance for adapted vehicles from Fish Insurance
Our disability car insurance policy specifically covers adapted cars and Wheelchair Accessible Vehicles (WAVs). New for 2023, you can now purchase your cover from us online at your own convenience.
Some general insurers may ask for the values of your adaptations in order to provide cover for them. As a disability car insurance specialist, we know that if your car is adapted it’s not typically to boost its performance or looks, but to be more functional for you. So, as long as you tell us it’s adapted for your disability needs, these items will be covered.
That’s why it’s important to compare the benefits of specialised disability car insurance cover with standard policies because you need to make sure the insurer understands your needs and is offering the right cover for you.
Key features
Courtesy Car – if your car is being repaired by one of our approved garages then we’ll offer you a courtesy car for as long as your car is being repaired. We will always try our best to ensure this meets your mobility needs. But we don’t offer this if it has been stolen and unrecovered, or if we have decided not to repair your car, or if you have taken it to a garage of your choice.
Breakdown Cover – if your car breaks down we’ll repair or recover it. If roadside assistance is not available or a temporary repair is not possible, we will arrange and pay the costs of transportation of 8 passengers, including the driver, to be recovered to a single destination within 19 miles of the incident. European cover is available at an additional cost. Cover doesn’t include the cost of any parts used to fix your car.
Car Adaptations – We will cover loss or damage to vehicle adaptations for replacement as new up to the limit stated on the schedule. Excludes any deliberate damage by anyone allowed to drive under the policy and any changes or modifications to the car that have not been disclosed.
These are just some of the features, limits and exclusions in our policy, please refer to the Insurance Product Information Document and Policy Wording on our Downloads Page to find out more about our policy.
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Still got questions?
We’ve answered some of the queries you might have about our disability Car Insurance
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QWhat is a Green Card?
AA Green Card is an internationally recognised document that evidences you have the minimum level of cover for third party property damage and personal injury in countries that are part of the Green Card system.
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QHow do I get a Green Card?
ATo arrange a Green Card, please call us on 0333 331 3900 or email us at admin@fishinsurance.co.uk as far in advance as possible before you travel (but at least 7 days before the date you are travelling).
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QIf I have a car insurance policy with Fish Insurance, am I still covered to drive in Europe?
AAt present, your motor insurance policy allows you to drive within the EEA (European Economic Area). This cover will not change, but with effect from 1st January 2021 drivers must now carry documentation known as a Green Card.
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QWhen do I need a Green Card?
AIf you own a UK registered vehicle and plan to drive it in the European Union (EU), European Economic Area (EEA), Andorra, Serbia or Switzerland, you’ll need a Green Card.
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QDo I need to notify the DVLA about my disability or medical condition?
AYou have to tell the DVLA if you have a driving licence and develop certain disabilities or medical conditions that they deem to possibly affect your ability to drive. You can find a list of the disabilities and conditions that might need reporting to the DVLA here. You also need to let the DVLA know if a pre-existing disability or medical condition has got worse since you got your licence. Please click here for full policy information.
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QHow do I make a car insurance claim?
AIf you need to make a claim, call the claims line on 0333 331 3960. You will need to give details of the incident and your policy number (given on your Certificate of Motor Insurance) or vehicle registration. Please click here for full policy information.
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QDoes the policy allow me to drive anybody else’s car?
AYes, our disability and blue badge car insurance policies provide cover for you to drive a car that doesn’t belong to you, as long as you have the owner’s permission. Please note that if you choose to drive someone else’s car the cover you get is Third Party Only. Please click here for full policy information.
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QCan I put a named driver on the policy? Is my carer covered to drive?
AYes, you can name people as entitled to drive your car when you purchase a policy.
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QIf my car is stolen or off the road will I get a courtesy car with the same modifications and adaptations my car had?
AAs we are specialists in WAV insurance and insurance for adapted vehicles, we know how important these modifications to your vehicle can be. That’s why we will make every effort to provide you with a courtesy car suited to your needs while your car is repaired at one of our approved garages. If we can’t provide a suitable vehicle, we will award you a mobility allowance of £50 per day (up to a total of £700) to cover reasonable travel expenses and enable you to get out and about. Please click here for full policy information.
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QI carry my wheelchair in my car. Will it be covered by my insurance?
AYes. Our disabled motor insurance policy includes cover for up to £2,500 towards a replacement manual or powered wheelchair or other mobility aids being transported in your vehicle. We will pay for the cost of the item, less an amount for wear and tear and loss of value up to a total of £2,500. We also offer separate manual and powered wheelchair insurance to cover your wheelchair against theft or damage when it’s not being stored in your insured vehicle. Please click here for full policy information.
