Wheelchair Accessible Vehicle (WAV) Insurance

Car Insurance for Wheelchair Adapted Vehicles from Fish Insurance

Fish have been collaborating with, and learning from, Wheelchair Adapted Vehicle suppliers for more than 20 years. That's why we trust Fish to supply specialist car insurance to our valued customers. Click below to get a quote.

Car Insurance for drivers and passenger with mobility or disability needs

Fish's Disability Car Insurance Policy specifically covers adapted cars and Wheelchair Accessible Vehicles (WAVs). You can now purchase your cover from Fish online at your own convenience.

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.

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.

Cover for Personal Belongings - We will pay up to £200 for personal belongings and up to £2,500 for mobility aids (including wheelchairs) in or on the car that are lost or damaged following an accident, fire or theft involving the car. We won't cover your personal belongings if they are stolen or damaged because your car was left open or unlocked and we won't cover money, gift cards, vouchers, or any portable electronic devices, such as mobile phones.

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.

Fish Insurance is a trading name of Fish Administration Ltd which is authorised and regulated by the Financial Conduct Authority under Firm Reference 310172. Fish Insurance is registered in England and Wales. Company Registration Number 4214119. Registered Office: Rossington's Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Fish Administration Ltd is part of the PIB Group.

Insurance for Mobility Scooters, Powered Wheelchairs and Manual Wheelchairs from Fish Insurance

Fish's Mobility Scooter, Powered Wheelchairs and Manual Wheelchairs Insurance is designed to meet the needs of those looking to insure their mobility scooter/powered wheelchair or manual wheelchair against loss or damage and protect themselves against third-party liability claims. Click below to get a quote.

Key features

No age limit - There is no upper age limit to the age of the policy holder or any person that should use the insured item(s).

Any user cover with the policyholder's permission being granted.

Third Party Liability for accidental damage to the property of or accidental injury to third parties arising from the use of the Insured Item(s) up to £1 Million, this does exclude any passengers or employees of the insured.

Loss or damage to the insured item by accidental damage, theft, and vandalism up to the policy limit stated on the schedule. If the insured item is left unattended for more than an hour it must be locked by a padlock and chain to an immovable object. Theft must be forcible.