Insurance for all vehicles is a necessity, not only as a safety measure but also as a legal requirement. Every car, two-wheelers, trucks and other personal and commercial vehicle need to have a valid insurance plan at all times. This includes specially modified vehicles for disabled drivers as well. Even though vehicle insurance plans are pretty much the same in terms of benefits for all kinds of vehicles, some extra protection is often needed for special vehicles designed for disabled drivers. Let’s cover all the important elements of car insurance for disabled drivers in the UAE and what kind of coverage will you need for your car for disabled drivers.
By definition, disabled driver insurance consists of special car insurance plans that are designed with a few added features to meet the special insurance needs of disabled drivers. Car insurance for disabled drivers is not very different from the generic kind of car insurance plans that we find in the UAE. The basic benefits covered are pretty much the same as normal car insurance plans. However, the main difference here is that car insurance for disabled drivers also covers special modifications made to the car for adapting it as per the driver’s needs. Where modifying your car for aesthetic purposes can lead to troubles in finding insurance, modifications made for disabled drivers get special coverage from the car insurance companies.
The disabled driver insurance plans are no different from the plans available for other drivers. The coverage pretty much remains the same. However, practical modifications of the cars are also included in the coverage and equally modified cars are presented when the courtesy vehicle or replacement vehicle benefits are used.
Given below are some of the most common basic inclusions of car insurance for disabled drivers. Remember that basic benefits can change as per the plan you have chosen and the provider.
Given below are some of the most common disabled driver car modifications that are covered by car insurance for disabled drivers:
No, car insurance is not more expensive for disabled drivers than it is for other drivers, at least not based on the disabilities solely. Insurance companies are directed not to differentiate based on physical or other disabilities of the drivers as long as they are providing a certificate of being medically fit to drive. The insurance price of a disabled driver insurance plan may change according to the coverage you are buying and the add-ons you are choosing. There may be additional riders available to cover the modifications made to the car as well. If you choose to add these riders to your disabled driver insurance plan, the price will increase accordingly.
It is true that insurance companies are not allowed to charge higher premiums on disabled driver insurance based only on disability. But some conditions may have you transferred to the category of high-risk drivers. Insurance providers can charge higher premiums if you have any of these conditions on the grounds that you are at a higher risk of being in an accident or causing one. These conditions and disabilities include:
Also Know Multi-Car Insurance in the UAE
There are only two departments/entities that can determine whether you are fit to drive or not – the RTA and your medical advisor. You will need a clearance from your doctor in the form of a certificate that states you are fit to drive as a disabled driver in the UAE. The RTA will consider this certificate when issuing you a driving license. If you have any of the aforementioned conditions described on the certificate from your doctor, RTA will reflect that on your license. Insurance companies will have access to this information when you apply to buy car insurance for disabled drivers. Neither the insurance companies nor any other organisation/entity can determine your status as a driver apart from the aforementioned two.
Given below are some easy tricks and tips you can follow for choosing not only a comprehensive but also a cost-effective disabled driver insurance plan for your car:
Ans: Yes, you can easily get car insurance for disabled drivers if you have a named driver instead of driving yourself. Just let your provider know about the driver and name them in the policy you buy.
Ans: No, insurance companies are not supposed to increase the price of car insurance quotes if the buyer is from the disabled driver category. The honest practice would offer you the same benefits and rates as other drivers are offered in car insurance plans.
Ans: Any medical condition or disability that may affect your driving should be declared before buying an insurance plan. You may also need a medical certificate stating that you can drive normally with automotive aids even with the said disability or illnesses to buy the plan.
Ans: No, car insurance companies do not generally offer any special discount for disabled drivers. However, every other promotional offer and deal can be redeemed easily.
Ans: No, the claim as well as renewal process is the same for car insurance for disabled drivers as a generic car insurance plan. You can avail of similar roadside assistance services and submit a claim in the same manner.