Enquire about car insurance for disabled drivers onlineGet a quote
What does disabled driver insurance cover?
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.
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.
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.
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:
|*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||•||•||•||•|
|Insurance for your carer or personal assistant to drive too||•||•||•||•|
|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
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.
Call ERS as soon as you can on:
Lines are open 24 hours a day, 7 days a week.
There's a different number to call:
Read more from Towergate:
Will property development and investment remain a viable option weighed up against future market trends, tax free incentives and alternative investment opportunities?
Stay alert whilst driving and avoid driver’s fatigue by following these few simple steps. Driving late at night can not only be stressful but very tiring, so drive responsibly and stay safe whilst on the road.
Driving in the rain and wet weather requires specific driving techniques and safety precautions. Our article offers tips and advice on wet weather driving for new and experienced drivers alike. Stay safe and avoid claims on your car insurance.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Yes, we can provide insurance for carers too, just enquire with the team on 0333 136 8628.
By signing up to Towergate’s newsletter you are agreeing to receive quarterly email communications containing a range of news, top-tips, competitions and occasional offers for insurance products and/or services. Our newsletters are designed to keep you up to date with what we’re involved in, as well as other advice and content that we think you might find interesting.
Should you wish to unsubscribe please click here, or email with your details so we can carry out your request.