Disabled Car Insurance…
Hi friends,
OK, the subject of my personal rant today is car insurance. Now for most people car insurance is just another bloody bill that needs to be paid, and its up to you what level and type you take. There is also the practicalities of finding a car that does everything you want with a price of insurance you can afford. Trust me when I say that these variables are nothing to those faced by use disabled folk.
Because I have an adapted van, to allow access for my chair, this pushes the price of insurance higher. Add to that a need currently to insure it for anyone over 25, you can see the £ signs flutter out your wallet so quickly it hurts. I am lucky enough to have five years no claims, but with such a vehicle I’m still coughing up over £1,300 a year. My broker has managed to get me this deal, but it has taken a lot of hard work on his part to get this amount even. My situation is far from unique and it fears me with dread how many others are struggling to cope with such a hefty amount themselves.
I have discussed this with my care agency, my broker and several other disabled people, and all think its too high. My own opinion is the current situation with car insurance for the disabled community borders on the discriminatory, but I fear the facts are grey and misty to define. As with many things disability orientated, those who supply these products and services point to either a small market base, or high risks. While these are a valid point, I feel at the moment they are using these as a monopoly to charge a greater amount to those who are in a position who can least afford it.
There are those in the industry though who are fair and proved quality services and products, and when I find them, I publicize them on my website,go take a look.
OK, enough, I’m off to batter some orcs in World of Warcraft…
Jasper ;o)