Chartwell Insurance has a proud history as a pioneer of specialist cover for people with disabilities, from adapted vehicles to mobility scooters, and travel to home insurance.
Founded in 1965 by Adrian Flux, himself a disabled motorist, the company quickly developed a reputation for sourcing affordable and suitable cover for the drivers of adapted vehicles.
And, half a century later, Chartwell remains committed to making the sometimes stressful task of finding bespoke cover for non standard insurance as hassle-free as possible.
Thousands of motorists in the UK drive adapted cars, while up to 10 per cent of the country’s driving licence holders are thought to be disabled, including Blue Badge holders.
And while discrimination against disabled people is outlawed, it can surface as an unintended by-product of a system designed to cater for a mass market.
Try getting a quote on a mainstream comparison website for an adapted vehicle, and you’ll probably find yourself lumped in with every other type of modified car, whether it’s performance-enhancing or not.
These online underwriters have no effective way of determining whether a modification represents a greater risk or not, even though data shows that wheelchair and disability-adapted vehicles generally represent a lower theft risk than standard or vehicles modified to increase performance.
And although insurers are not allowed to refuse cover or charge higher premiums to people with disabilities under the Disability Discrimination Act 2005, risks are often declined or higher rates quoted because of other underwriting reasons.
For this reason, specialist insurance providers have filled the gap in the market to offer truly bespoke schemes tailored to the needs of people with disabilities.
Chartwell’s range of policies includes:
- Adapted vehicle insurance, with suitably equipped replacement vehicle, cover for any driver, a manual wheelchair while stowed up to £1500, and cover for alternative travel expenses.
- Mobility scooters and power wheelchairs, including £2million public liability cover, breakdown, and overseas cover. Premiums start from just £52 per year.
- Mobility adapted home insurance, including cover for stairlifts, adapted baths, manual wheelchairs and equipment on loan from the NHS
- Travel insurance, including cover for pre-existing medical conditions and disabilities, loss of medication and cost of urgent replacement, wheelchairs and other mobility aids, and the cost of flying out a replacement carer should yours fall ill
- Adapted trike insurance
- Competitive motorcycle insurance
Many mainstream insurers refuse to cover adapted vehicles or non standard homes, or will load the premiums significantly, so it pays to approach a specialist broker like Chartwell to make sure of the right cover, at the right price.