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Disabled Driver Insurance

Providing flexible car insurance for disabled drivers and non-standard and adapted vehicles.

  • Up to 60% No Claims Discount after four years claim free with the option to protect (subject to underwriting criteria)
  • Roadside assistance, home service, 24 hour rescue control centre and recovery for you and your vehicle available
  • Adapted courtesy vehicles provided where possible

Enquire about car insurance for disabled drivers online

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Call the team to speak with a disabled driver insurance specialist

0333 136 2217
0333 136 2217

Weekdays 9.00am - 5.00pm
Can’t get through right now? Request a callback

What does disabled driver insurance cover?

What is disabled drivers' insurance?

Car insurance for disabled drivers is designed to provide cover for your vehicle, including vehicle modifications. We do not ask for full details of the vehicle modifications so long as they are under a total value of £20,000 and purely for mobility purposes. Cover can be arranged for any driver over 25 years, while younger drivers (up to 5 per policy) can be accommodated as long as their driving history is acceptable. Young drivers must be family members or carers with the use restricted in the capacity of carer. We can also arrange cover for drivers who are disabled and from a wheelchair.

Proud partners with ERS

We've teamed up with ERS (Syndicate 218 at Lloyd’s) to provide our mobility insurance. ERS have a wealth of experience and have been providing motor insurance for over 70 years. So rest assured you're in good hands. To get a quote started you can scroll down to the documents section of this page and download the proposal form PDF and follow the instructions.

Optional Benefits

UK Courtesy Vehicle Cover – Following an accident or theft, a courtesy car, or adapted courtesy vehicle, will be provided to you while your own vehicle is being repaired by one of your insurers approved repairers.
Legal expenses – uninsured loss recovery and legal services.
Various levels of Breakdown Cover – Please refer to the table below.

Cover for a wide range of vehicles

We aim to be as flexible as possible when it comes to the types of vehicles we can insure. Our insurer ERS, has a broad risk appetite in terms of the types of vehicle they insure and cover can be provided for wheelchair adapted vehicles and professionally modified vans.

Which policy is best for you?

Compare all four of our mobility car insurance policies
  Bronze Silver Gold Platinum
*Brand new replacement car fitted with the modifications you require following a total loss
*Cover for luggage trailers
*Medical expenses insurance
*Personal accident benefits
*Foreign use included so you're covered the minimum cover legally required to drive is provided for the country you're travelling in)
*Cover for personal belongings, wheelchairs and other mobility aids
*Replacement locks if your keys are lost or stolen
*Windscreen damage
Insurance for your carer or personal assistant to drive too
Roadside Assistance  
24 hour rescue control centre  
Uninsured losses and legal expenses  
Free courtesy car with suitable modifications in place (provided there is a suitable car available)  
Break down cover and vehicle recovery    
European roadside assistance      

Looking for cover as a carer? We can provide Personal Assistant Insurance cover for carers. Just call the team on 0333 136 8628 for more information or to get a quote.

*Cover included in the comprehensive section of your mobility car insurance policy

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Disabled Driver Insurance Claims

Claims on our disabled driver insurance policies are handled by your insurer ERS. Their experienced claims team will be able to guide you through the next steps of making your claim, just get in touch.

We at Towergate can provide assistance and support with your claim if you need us. Just call on the number at the top of the page.

Need to make a claim?

Call ERS as soon as you can on:

0330 123 5992

Lines are open 24 hours a day, 7 days a week.

Need to claim for windscreen damage?

There's a different number to call:

0330 123 5992

Disabled Driver Insurance Articles & Guides

Read more from Towergate:

Driving On Country Road


Top Tips for Driving on Country Roads

Driving on country roads can be daunting for even the most experienced of drivers. Sharp bends, ditches and the possibility of being stuck behind a tractor are all factors that mean it's important to be hyper-aware of your surroundings. Our guide looks at the key things to consider when driving on country roads, whether you're a young, inexperienced driver or simply not used to driving on rural country lanes.

Nervous Young Driver


Dealing with Nerves as a New Driver

As a young driver or a learner driver, nervousness whilst driving is understandable; but help is at hand. Read techniques you can adopt to help combat nerves whilst driving, to help you avoid accidents and claims on your insurance.



DVLA Licence Validation

To reduce risk in your car hire business, it’s essential to thoroughly check each of your customer’s licences to make sure they are who they say they are and ensure that their licence is not fraudulent. Our short guide explains how to do this.

Disabled Driver Insurance FAQs

What if I don't drive myself?

If you don't drive but you own the vehicle you’d like to insure, we can still help. Our disabled driver insurance policies have ‘any driver policy’ means you can cover any person over the age of 25 to drive your car, without them being individually named on the policy. We can cater for young drivers too! You will need to name any additional drivers who are under the age of 25 on the policy but it's not a problem to insure them.

Can we have an any driver policy?

Yes, please speak to the team if this is something you require. We can adjust your policy accordingly, you just need to let us know it’s required.

Does this cover young drivers?

We can include young drivers but we would need to name them on the policy. Again, let us know this is something you need and we’ll make sure we add them on.

Can Towergate provide insurance for an adapted vehicle?

Yes, we’re happy to cover a variety of vehicles with unique modifications provided the modifications are made by the manufacturer. If you’re unsure whether your vehicle can be covered just ask the team.

Does disabled driver insurance include breakdown cover?

Yes, if you have a Silver, Gold or Platinum policy with us breakdown cover is included. You can check your policy documents to which disabled driver car insurance policy you have and for more information about your breakdown cover.

Does the breakdown cover include a modified courtesy car?

Yes, a courtesy car can be provided with same specification as your own car where one is available. This cover is not available on our bronze policy.

Who is my insurer?

The insurers behind our mobility insurance policy are ERS. Though Towergate will help you with quotes, renewals and any changes you need to make to the policy, ERS are there to help when you make a claim.

What do I do if I breakdown?

We will provide a breakdown and recovery service should your vehicle break down during a journey and more than one mile from your home. Just call the Rescue Control Centre at ERS on 01277 725589.

I’m unable to handle the policy myself, can someone else do this for me?

We like to make things as simple as possible so it's fine for someone else to ring on your behalf. We recommend you nominate someone in your family, a friend or carer and let us know who they are. If this is not possible or they are not around when you need to call, any other person can call us so long as they can confirm some of the details on the policy for data protection purposes.

Can Towergate provide cover for carers?

Yes, we can provide insurance for carers too, just enquire with the team on 0333 136 8628.

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