Car Insurance for WAV Vehicles | GM Coachwork

A Wheelchair Accessible Vehicle (WAV) is more than just a mode of transport, it’s a vital part of independence in daily life for many wheelchair users.

At GM Coachwork we offer an extensive range of WAVs designed with your mobility needs in mind. From ramps, lifts, and adapted seating, our WAVs make travel safer and more convenient.

Having the right WAV vehicle car insurance is essential. In this guide, we outline everything you need to know about WAV vehicle car insurance.

Understanding Car Insurance for WAV Vehicles

WAV vehicle car insurance differs from standard car insurance as it considers the specialist adaptations and unique requirements of wheelchair users. Unlike regular car insurance policies, WAV vehicle car insurance covers essential modifications such as ramps and lifts, ensuring they are protected in case of damage or breakdown.

Ensuring comprehensive protection means greater peace of mind and continued independence on the road. When selecting car insurance for WAV vehicles you should consider:

• Coverage for adaptations
• Breakdown assistance that includes wheelchair transport
• whether the policy offers a like-for-like replacement vehicle if repairs are needed

Insurance Options for Private Purchase WAVs

Individuals purchasing a WAV outright should explore the range of insurance options available. These include standard insurers offering adapted vehicle coverage to specialist providers catering specifically to wheelchair-accessible vehicles.

Specialised car insurance policies for WAV vehicles ensure essential modifications like ramps and lifts are covered, providing tailored protection beyond standard car insurance providers.

WAV Insurance & the Motability Scheme

The Motability Scheme allows users with qualifying mobility allowance to lease a brand-new vehicle. This covers insurance, service, and breakdown.

 Key Features to Look for in WAV Insurance Policies

When selecting your WAV vehicle car insurance policy, consider the following key features:

• Coverage for vehicle adaptations and modifications: Ensure the policy covers ramps, lifts, and other specialised features.
• Protection for mobility aids: Ensure your wheelchair and other mobility aids are covered during transit.
• Extended driver coverage: Look for policies that include family members and caregivers as additional drivers.
• Courtesy vehicles: Check if the policy provides suitable replacement vehicles in case of an accident.

 Tips for Choosing the Right WAV Insurance

When selecting the right WAV insurance, we suggest you obtain multiple quotes from specialised insurers. Comparing different options helps to ensure you find the best deal and get comprehensive coverage suited to your specific needs.

It’s crucial you disclose all vehicle adaptations to your insurer, as failing to do so could result in inadequate coverage.

Selecting the right WAV Vehicle Car is essential to ensure comprehensive protection for both the vehicle and its adaptations. Proper coverage not only safeguards your investment but also provides peace of mind, especially in the event of an accident or damage.

We recommend you speak to insurance specialists who can guide you through the process and help identify the best policy tailored to your specific needs, ensuring that both you and your vehicle are fully covered.

To speak to one of our experienced advisors or to arrange a free home demonstration please contact us.