Adapted Vehicle Funding Guide 2023/2024
Be sure to be proactive in informing insurance companies that it is a modified vehicle as they
are not trained to ask about it. If they do not know and something happens to your
modification or equipment, it may not be covered.
The Basics of Wheelchair-Accessible Vehicle Insurance
It’s a common misconception that wheelchair van insurance is handled differently. Whether
you have a disability or not, accidents and claims history are what auto insurance companies
look at most.
For instance, even if your auto insurance is unlikely to cover the cost of your vehicle’s initial
modifications, it will still pay for conversion repair or replacement if the vehicle is totaled or
harmed by a natural catastrophe if you carry the right policy.
Ultimately, the amount of collision and comprehensive coverage you choose will determine
the level of protection that wheelchair van insurance can offer. For example, if you don’t carry
a comprehensive policy, it’s unlikely that circumstances other than accidents will be covered.
It is advisable to discuss your situation with the insurance company to determine exactly what
kind of coverage is offered. Depending on where you live, you will have different options. So,
it’s important to shop around with as many local companies as possible to get the best policy
for a wheelchair van or another type of wheelchair-accessible vehicle.
How to Get Insurance for a Converted Vehicle
Follow these recommendations while searching for auto insurance on a wheelchair-
accessible vehicle to get a better bargain and protect you on the road.
Be honest. Declare all modifications made to the van when applying for an
insurance policy. Your insurance prices may fluctuate as a result of several
developments.
Buy equipment coverage or van conversion add-ons. Make sure your insurance
will cover any equipment for those with disabilities, including wheelchairs. If not, ask
for insurance add-ons that cover equipment and conversions.
Certified modifications only. It’s crucial that these modifications are correctly
installed by a certified technician. It would be awful if you were in a car accident and
later learned that your equipment wasn’t insured because it wasn’t installed
properly.
Ask about equipment coverage. Verify that your insurance policy covers any
special equipment, such as wheelchairs. Any equipment you bring with you,
including wheelchairs that will be set up outside your car, need to be protected.
To find out whether an insurer can provide supplementary coverage for something not
specifically protected by your primary policy, consider shopping with at least three different
companies. Finding a workable alternative shouldn’t be too difficult because most of the
big auto insurance providers also provide van conversion insurance.