Insurance and Tax

Car Insurance for Disabled People

When obtaining car insurance, it is worth noting that under the Disability Discrimination Act 1995, insurers can only charge higher premiums if the extra charge is based on factual or statistical data, or there are other relevant factors which indicate that a disabled person is a higher risk.

You have a responsibility to declare the full facts about your disability when making an insurance application. Failure to do so could invalidate any future claim. You must also inform your insurers about all adaptations made to the insured vehicle.

For insurance companies who will insure 16 year old Provisional Licence Holders go to the bottom of Driving with a Disability for the First Time

Other sources of useful information

Help the Aged have created a guide called Motor insurance for older drivers

Mobilise have an article in the Information Store section of their website on getting the best deal for car insurance, Are insurers leaving disabled drivers at the lights?

Tax

You may be entitled to a free tax disc if you're a disabled person who gets the higher rate of the mobility component of Disability Living Allowance, War Pensioners Mobility Supplement or have an invalid carriage.

Follow this link for more information on the Directgov website Vehicle tax for disabled people