if you have a car and you end up being disabled dos it put the insurance up on the car when it is a disabled car
2007-06-08 09:57:41 · 8 answers · asked by staffieredspain 1 in Cars & Transportation ➔ Insurance & Registration
dependent on your disability, im in a wheelchair, and drive a 2.5 litre turbo diesel volvo... 250 quid fully comp. in the world im disabled, in my volvo im not...
2007-06-08 10:05:10 · answer #1 · answered by Anonymous · 0⤊ 0⤋
It is illegal in the UK for an insurance company to discriminate against someone with a disability and so they cannot put the price up just because you are disabled (in fact most systems that insurers use do not have a place to put in whether the person is disabled or not and so it should have no bearing.
However, there are a few things you have not answered.
What extent is your disability? You need to speak to your doctor to find out if it is okay for you to drive, and if they say it is then it is best that once you get the insurance quote, and before taking out the insurance, you say to the rep that you have whatever disability, that you have spoken to your doctor and they have said there are no medical grounds to prevent you from driving but you would like a note to be put on your file to let them know this. Then if there is a problem you have proof that you informed them of the problem. If your disability ever gets worse you will need to go back to your doctor and check if it will affect your driving and again inform the insurance company of this. (As a side note you are also supposed to tell them if you temporarily cannot drive due to surgery). As a rule, if a medical expert says you can drive then the insurance company cannot charge you extra, but informing them of communications with your doctor will ensure that nothing in the future can affect you.
Also, if your vehicle has been modified to take into account your disability or the disability of a passenger (such as putting in a ramp, modifying the controls etc...) then you need to tell the insurance company of this and how much it cost you. This then means that if your car is written off or repairs need to be made then they will take into account how much you would have to spend to get the same modifications done to a new vehicle, or getting their repairers to check the disability modifications are still working in the event of damage to the vehicle. If the modifications cost enough then it may impact on the insurance, but this is only because the vehicle costs more in total, not because of the disability (if a non-disabled driver put on modifications of a similar value then they should get the same price increase.)
2007-06-09 00:48:53 · answer #2 · answered by Anonymous · 0⤊ 0⤋
The Insurers will not discriminate against you just because you are disabled. That'd be illegal and in fact they never did anyway. In fact, it's possible you might be treated as a better risk, being likely to be more careful.
As far as the car goes, if there are expensive and complex modifications, that might make a difference because it could be costlier to repair. There are insurers who specialise in adapted vehicles, if it comes to that.
2007-06-09 04:01:01 · answer #3 · answered by champer 7 · 1⤊ 0⤋
It depends on the disability and if the car has been modified.
Insurance companies work on statistics so they would consider if there was any increased risk because of the disability and also if there was an accident would it cost more to repair due to any modification made to cope with the disability.
2007-06-08 17:04:14 · answer #4 · answered by Storm Rider 4 · 0⤊ 1⤋
It depends on the disability and the insurance company. As a general rule, specially modified cars will add to the premium as they will need specialised repairers. You need to contact the support group for your disability, they will know the ins and outs of insurance for your case
2007-06-09 04:37:39 · answer #5 · answered by The original Peter G 7 · 0⤊ 1⤋
In most cases with most companies no it will not effect your rate, unless you have specialized equipment in the Vehicle which you want covered. They will then add a rider to your policy to cover such equipment, each item will be individually listed and so will it's value.
Hope this helps, take care.
2007-06-08 18:36:33 · answer #6 · answered by deanspurrier 3 · 0⤊ 0⤋
No it actually puts it down because the insurers think you will be a steadier driver therefore safer.
2007-06-08 17:00:27 · answer #7 · answered by tucksie 6 · 1⤊ 1⤋
the short answer is ..no. It`s illegal in UK to discriminate on disability .
2007-06-09 10:16:35 · answer #8 · answered by cosmo 4 · 0⤊ 0⤋