Your vehicle is an essantial part of your lifestyle. So far it has been observed that the disabled people take better care of their vehicles. The minimum age for driving vehicle is 17, but in case of disabled drivers they can steer from age 16. All the drivers, especially the disabled driver should own their car insurance.
Unlike the normal people, driving is not only the excitement but also struggling for the disabled people. It is problematic for them to find disabled driver insurance at a reasonable rate that covers all the areas of benefits and needs. The driving test is most important for the disabled drivers. It is essential to qualify in the theory test prior to taking the practical test to find out your driving ability. It is also a rule, if an individual does not pass the practical test within a span of 2 years after passing the theory test, will have to renew the examination process right from beginning. In the present write up we will discuss the necessities and requirements of the disabled driver insurance.
Points to be considered before you seek insurance for disabled drivers
You should first notice whether the present insurance policy covers all the area of damage. Also whether it covers the vehicle adaptations and mobility equipment should be noticed beforehand. Your vehicle should be built in a way that will suit your posture and also offer adequate comfort. You should be aware whether same protection will be provided if multiple carriers will be included in the policy named drivers. You should also find out whether the insurance company will provide the damage of the wheelchair when it is in your vehicle. Find out from the insurance carrier whether the policy provides you with the suitable vehicle or other modes of transport.
Benefits of disabled driver insurance
Research has shown that the standard insurance companies do not meet up the needs and necessities of the disabled drivers, as they see that as a risk factor. They need a specialist who would take care of their requirements regularly. The young disabled drivers who are 16 can apply for the disabled driver insurance. You will be offered any driver cover options. If you do claim, then any of your adaptations which are being covered will be substituted on a new basis. On requirement, the finest repairers will attempt their best to repair your vehicle so that it is adequately adapted. If the vehicle can’t be repaired then you are entitled to get paid at least £50 per day basis, to pay the fare of the public transports. You will get the coverage of up to £1,500, if your wheelchair gets damaged or lost while it is in the vehicle. All the complexities and disabilities of the disabled drivers are usually taken into account when the insurance policy is offered or sold to them.
You can also acquire cheap disabled driver insurance by following some easy tips. You can join the car clubs for the disabled drivers. It will improve your driving skills. You will be offered great discounts if you drive low mileage. Some of the companies also offer occupational discounts to all the disabled drivers who are wholly employed. Also you will get discounts if you own more than one car. A disabled lady driver gets more discounts from the insurance company as compared to a disabled man.