Wheelchair Accessible Vehicle Insurance Guide

At GowringsVersa Mobility, whilst we specialise in providing top-quality Wheelchair Accessible Vehicles, we understand the importance of securing the right insurance for your WAV. This guide is designed to assist you in finding the best “wav insurance” options, ensuring that your “wheelchair accessible vehicle insurance” needs are comprehensively covered.

Understanding Insurance for Wheelchair Accessible Vehicles

When it comes to insuring your WAV, there are specific considerations to keep in mind. Standard car insurance policies may not adequately cover the unique features of a wheelchair accessible vehicle. Therefore, opting for specialised “insurance for wheelchair accessible vehicles” is crucial to ensure complete protection.

How to Choose Insurance for Your WAV

1. Identify Your Needs

Consider the specific adaptations of your WAV and how they affect your insurance requirements.

2. Compare Options

Utilise comparison sites to evaluate different “insurance for wav cars” policies.

3. Check for Specialised Coverages

Ensure that the insurance policy covers all the special adaptations of your WAV.

Popular Insurance Options for WAVs

Each of these options offers different benefits, so we recommend exploring them to find the one that best suits your needs.

Specialist Insurance Companies

fish insurance logo

Fish Insurance

Fish Insurance tailors policies specifically for Wheelchair Accessible Vehicles, understanding the unique requirements of adapted vehicles. Their WAV insurance policies include key benefits such as:

  • UK Breakdown Recovery: Including homestart services, roadside assistance, vehicle recovery, and overnight or emergency accommodation. Up to 6 breakdown callouts per year, with European cover available at an additional cost.
  • Adaptation Cover: Repair and replacement cover for adaptations you’ve informed them about.
  • Courtesy Car: A free courtesy car while your car is being repaired at one of their approved garages, or a mobility allowance if a suitable car is not available.
  • Personalised Settlements: If your car is stolen, the settlement will account for modifications that you’ve told them about.
  • Extensive Liability Cover: For accidental damage to other people's property or injury to others.
  • Lifetime Guarantee on Repairs: As long as the vehicle is maintained to the manufacturer’s schedule.
  • Protection for Mobility Aids: Cover up to £2,500 for wheelchairs or other mobility aids transported in your car.


Adrian Flux offers a comprehensive range of features for WAV insurance, catering to a wide array of needs:

  • Adaptation Coverage: Like-for-like cover on all adaptations and modifications to your vehicle.
  • Wheelchair Cover: Up to £1,500 cover for your manual wheelchair while it is in your vehicle.
  • Extended Driver Cover: Insurance for family, friends, and carers to drive your vehicle, including any driver cover options.
  • Young Disabled Drivers: Coverage starts for young disabled drivers from 16 years old upwards.
  • European Cover: 90 days of European Cover included.
  • Courtesy Car Availability: Provision of a suitable courtesy car in the event of an accident, subject to availability.
  • Motability Benefits: Acceptance of Motability claim-free driving in lieu of No Claims Bonus.
  • New for Old Coverage on Adaptations: Ensuring you get the latest versions of any adaptations lost or damaged.
  • Comprehensive Adaptation Insurance: Coverage for a range of adaptations such as wheelchair hoists, ramps, tail lifts, and adapted hand controls.

*Please verify with the supplier directly, as we are not responsible for any changes and cannot guarantee the accuracy of the offer.

Comparison Sites

Compare the Market

A comprehensive comparison site offering a range of WAV insurance options. Ideal for reviewing different policies and finding one that fits the specific modifications of your WAV.


Specialises in comparing insurance for disabled drivers, offering detailed comparisons across providers to match your policy needs.


This site offers diverse insurance options for WAVs, including policies that cover additional needs due to vehicle modifications for accessibility.

The Process of Insuring Your WAV

When it comes to insuring your WAV, there are specific considerations to keep in mind. Standard car insurance policies may not adequately cover the unique features of a wheelchair accessible vehicle. Therefore, opting for specialised “insurance for wheelchair accessible vehicles” is crucial to ensure complete protection.

Online Application

Most insurance providers now offer a user-friendly online process for obtaining a quote and purchasing insurance. This convenient service typically requires entering details about your WAV and personal information. It allows for a quick and efficient way to get an initial estimate for your insurance premium.


When applying for insurance, be prepared to provide comprehensive details about your vehicle’s modifications, such as wheelchair ramps, adapted controls, or any other custom features. Additionally, your driving history plays a crucial role, so have relevant documentation like your driving record and any previous insurance claims ready.

Policy Customisation

Engage in a dialogue with your insurer to discuss your specific needs. This step is crucial for tailoring the policy to your WAV’s unique features and your personal requirements. Discuss aspects like coverage for special equipment, roadside assistance, and any other concerns you might have. The aim is to ensure that the policy you choose offers complete protection for your WAV and peace of mind for you as the driver.

Citroen Berlingo Wheelchair Access: Seamless Ramp Integration

Cost Considerations

The expense of WAV insurance hinges on a multitude of variables, such as the extent and type of vehicle modifications, your personal driving record, and the insurance provider you select. These factors collectively influence the premium. Given the specialised nature of WAVs, standard pricing models don’t always apply, making it difficult to pinpoint a precise cost range. To gain a more accurate understanding of the potential costs, we recommend utilising comparison websites. These platforms offer a comprehensive overview of various insurance options, helping you to find a policy that aligns with your specific needs and budget.

FAQ’s About Insuring Wheelchair Accessible Vehicles

What makes WAV insurance different from standard car insurance?

WAV insurance specifically covers adaptations and features unique to wheelchair accessible vehicles, which are not typically covered under standard policies.

Are modifications to my WAV covered under insurance?

Yes, specialised WAV insurance policies cover modifications such as wheelchair lifts, ramps, and custom controls.

You will need to specify the vehicle has been converted for use as a wheelchair accessible vehicle and specify the converter if possible. 

You should also speak to the original converter, where possible, to ascertain the cost of the conversion to advise the insurer.

How do I determine the right coverage for my WAV?

Consider the specific modifications and usage of your WAV. Consulting with insurance providers who specialise in WAVs can help you find the right coverage.

Can I get insurance for a used WAV?

Absolutely. Insurance for both new and used WAVs is available, with policies tailored to the vehicle’s age and condition.

Does WAV insurance cover other drivers?

This depends on the policy. Most WAV insurance policies can be extended to cover additional drivers.

How does my driving history affect WAV insurance?

Your driving history, including any past claims, can impact insurance premiums, just as with standard vehicle insurance.

Is roadside assistance included in WAV insurance?

Many WAV insurance policies offer roadside assistance as an add-on or included feature. Don’t assume its included in the policy, remember to ask.

What should I do if I need to make a claim?

Contact your insurer immediately after an incident. Keep all relevant documentation and details of the incident for a smooth claims process.

Are there ways to reduce the cost of WAV insurance?

Yes, maintaining a good driving record and choosing a policy with only necessary coverages can help reduce costs.

How often should I review my WAV insurance policy?

It’s advisable to review your policy annually or after any significant changes to your WAV or driving habits.


Enquire here or call today on 0345 608 8020

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