Car Insurance for Drivers with Disabilities in the UAE

Traffic rules are created for protecting you and the people driving on the roads. The UAE government has taken every measure to ensure the safety of road users. Traffic signboards are placed by the authorities where ever required. Having an understanding of the signboard is the duty of the road users. For better transportation and safety follow the traffic rules and ensure a safe drive for yourself and also for others driving on the roads. 

Having a car has become a necessity more than a luxury. Similarly, car insurance is not just for self-protection but also illegal to drive a vehicle without one. Irrespective of the vehicle you own or the driving experience you have, it is mandatory to get car insurance in the UAE. It is important to note that car insurance is also provided for drivers with disabilities in the UAE. No one has an expectation for car insurance according to the RTA (Road Transport Authority) UAE. 

The working of car insurance for drivers with disabilities is more or less the same as standard car insurance which provides financial protection on damages, accidents, and theft. Though the objective of the insurance is the same, the coverage it provides differs. In car insurance for disabled drivers, there are several special plans to cover the special features added to the car. Usually, the vehicle for disabled drivers is modified according to their needs and the car insurance plans cover that as well. The car owners are provided several options to customize the vehicle and make it comfortable for them to drive. So overall the car insurance plan is similar to a standard one but additional features are added.  

Modifications included for the vehicle

The modifications done to the vehicle depends upon the disability. The possible modifications included for the car insurance for drivers with disabilities are, 

• Emergency Brake Extension 
• Steering knob 
• Pedal extenders 
• Manual ramp
• Mechanical hand control 
• Left foot accelerator 
• Raised roof 
• Transfer seat 
• Reduced effort for brakes or steering 
• Mobility vehicle lift 

Car Insurance Coverage options

The car insurance coverage options provided for the drivers with disabilities are, 

Comprehensive Car Insurance - Comprehensive car insurance provides coverage for damages to own vehicles. The damages covered are accidents, or fire, if the vehicle is stolen. Even the damages caused due to natural disasters or man-made disasters are also covered. It also provides coverage for the damages caused to the third-party vehicle by you.  

Third-Party Car Insurance - Third-Party Car Insurance is to cover the damages caused to other vehicles by your car. If you’ve hit any car using your insured vehicle or caused damages to the third-party driver, the third-party insurance will provide coverage for the expenses. 

The comprehensive and third-party car insurance policies are similar to normal car insurance. The only change would be the add-ons which are specific for the modifications done to the vehicle according to the disabled driver’s requirements. 

Car Insurance Inclusions

The coverage inclusions on the car insurance for drivers with disabilities are, 

• Personal liability provides coverages for the damages caused to the drivers and the properties
• Collision damages are covered 
• Personal injury protection is provided to cover the damages caused to the driver and the passengers in the vehicle 
• Provides roadside assistance 
• Provides coverage on damages caused during the natural disasters 
• Provides coverage on damages caused to the vehicle during riots 
• Coverage if the vehicle or the parts are stolen 
• If any damages are caused to the special equipment installed in the vehicle, coverage is provided 
• Some insurance companies also offer temporary transportation if your vehicle is damaged and under service  

Apart from the basic coverage as mentioned above, there would be many other benefits offered on car insurance coverage for drivers with disabilities. It depends upon the policy and the insurance provider. 

Is the car insurance premium rate high for drivers with disabilities?

The car insurance for drivers with disabilities is similar to the standard policy but as there would be modifications to the vehicle, the premium value will be slightly increased accordingly. Apart from the additional vehicle modifications coverage, the insurance premium rate would be the same as a standard policy. Along with the standard insurance, drivers with disabilities are also eligible to get add-ons on the insurance policy depending on their requirements. 

The drivers with disabilities are considered high-risk drivers by the insurance companies, and the equipment in the vehicle is insured for a good price. The drivers with disabilities should be proved medically fit to drive, other than that, the car insurance companies don’t charge anything different.