Does disabled driver car insurance cost more or less than regular insurance policies?<\/h3><\/div>![\"Danny](\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\")
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Finder insurance expert Danny Butler<\/a> answers <\/em><\/div><\/div>Under the Disability Discrimination Act of 2005<\/a>, insurers are not permitted to price discriminate based on someone\u2019s disability. This essentially means that a driver with a disability should pay no more or less for their insurance than someone without a disability, but who otherwise has exactly the same risk profile.<\/p>In practice, of course, no two individuals (with a disability or not) will have exactly the same risk profile. So, the premiums of drivers with a disability will be influenced by exactly the same factors as anyone else. These include their age, how far they drive each year and their driving record.<\/p>
One caveat: A big factor that can affect the price you pay for car insurance is the car you drive. So if your disability necessitates that you drive a bigger, more powerful vehicle, or one that you have made modifications to, the vehicle itself may push premiums up. However a person without disability driving the same vehicle would face the same uplift.<\/p><\/div><\/div><\/div><\/article>
How can I lower the price of car insurance?<\/h3>
Whether you have a disability or not, there are plenty of tactics you can use to keep your car insurance premiums as low as possible. These include:<\/p>
- Don\u2019t assume that third party insurance is cheapest.<\/strong> Contrary to what you might expect, comprehensive car insurance<\/a> often costs less, as well as providing better cover.<\/li>
- Pay annually.<\/strong> Paying for your car insurance in a single lump sum each year is cheaper than paying in monthly instalments where interest is added.<\/li>
- Up your excess.<\/strong> This is the amount you\u2019ll need to contribute in the event of a claim. Typically, the higher the excess, the lower your premiums. Just don\u2019t set your excess so high that you can\u2019t afford to pay it if you need to.<\/li>
- Drive safely.<\/strong> By doing so, and avoiding making claims, you\u2019ll build up your insurance no-claims bonus<\/a>. This can yield discounts on your premium of up to 60-70% after a few years. Careful driving also reduces the risk of getting points on your licence, which can drive up premiums.<\/li>
- Consider a telematics policy.<\/strong> Also known as \u201cblack box<\/a>\u201d insurance, telematics insurance monitors your driving habits using GPS technology and rewards safer drivers with cheaper premiums. You can also get forms of pay-as-you-go<\/a> telematics insurance specifically aimed at people who don\u2019t drive that much.<\/li>
- Boost security.<\/strong> Having a car alarm or immobiliser may earn you a discount from your insurer, as could parking in a secure location such as a private driveway or garage.<\/li>
- Consider adding a low-risk named driver.<\/strong> This could be particularly valuable if you are considered high-risk by insurers, perhaps because you\u2019re young and less experienced or because you have points on your licence. Adding an experienced, low-risk driver could cut your premiums because the insurer will assume the named driver<\/a> is using the car at least some of the time.<\/li>
- Shop around.<\/strong> Insurers all have their own pricing criteria. The cheapest policy for one driver may not be the cheapest for another. Compare both prices and benefits offered to find a policy option that fits your needs and budget.<\/li><\/ul>
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Under the Disability Discrimination Act of 2005<\/a>, insurers are not permitted to price discriminate based on someone\u2019s disability. This essentially means that a driver with a disability should pay no more or less for their insurance than someone without a disability, but who otherwise has exactly the same risk profile.<\/p> In practice, of course, no two individuals (with a disability or not) will have exactly the same risk profile. So, the premiums of drivers with a disability will be influenced by exactly the same factors as anyone else. These include their age, how far they drive each year and their driving record.<\/p> One caveat: A big factor that can affect the price you pay for car insurance is the car you drive. So if your disability necessitates that you drive a bigger, more powerful vehicle, or one that you have made modifications to, the vehicle itself may push premiums up. However a person without disability driving the same vehicle would face the same uplift.<\/p><\/div><\/div><\/div><\/article> Whether you have a disability or not, there are plenty of tactics you can use to keep your car insurance premiums as low as possible. These include:<\/p>How can I lower the price of car insurance?<\/h3>