Car Insurance with Motability No Claims Discount
Motability is a great scheme. It has helped many disabled drivers onto the road, and has brought independence to people who would otherwise have great difficulty travelling. It has even benefitted those who, for whatever reason do not qualify, or do not wish to avail themselves of the scheme, by ensuring a steady supply of adapted vehicles onto the used market.
But it would be wrong to assume that Motability is perfect in every situation. If you don’t meet qualifying criteria, or you want a car that does not feature on their list, or is unavailable to you owing to your age, it can be difficult to source an alternative insurance provision. Drivers are effectively barred from the Motability scheme if they pick up a ban, or more than a couple of minor driving convictions, and can also find themselves turned down if they have a history of claims.
Being turned away by one provider wouldn’t be such a big deal, except that Motability does not award a No Claims Bonus, so drivers can find themselves paying enormous premiums to stay on the road. Fortunately there is another way.
At Chartwell we can reward your years of driving experience on the Motability scheme with an introductory discount. We can insure virtually any road legal vehicle in the UK, including like-for-like cover for any adaptations. And we have fantastic rates for convicted drivers, young drivers and drivers with an adverse claim history, which means
that no matter what your circumstances, we can offer you a great quote.
Insurance for ex-Motability Users
There are a number of circumstances where the Motability cover can fall short of your needs, for example, if you have a team of carers, the RSA scheme requires all of them to be named on your policy, which can take a lot of organising, particularly if there are frequent changes. We are able to offer any driver policies, which give you complete peace of mind, no matter who is in the driving seat.
The Motability insurance cover also prevents your friends and family from driving your vehicle using the Driving Other Cars feature of most comprehensive policies – a restriction which does not apply with our schemes.
Here are some of the great features available on policies purchased through Chartwell
- Motability Claim-Free driving accepted in lieu of NCB
- Like for like cover on all adaptations and modifications to your vehicle.
- Up to £1,500 of cover for your manual wheelchair while it is in your vehicle
- Cover for carers to drive your vehicle
- Any driver cover
- 90 days European Cover
- Suitable Courtesy Car in the event of an accident (subject to availability)
Our staff members are trained underwriting technicians, who will be happy to talk you through all your options and help you complete your quotation with a minimum of fuss. Simply click the button to arrange a free callback at a convenient time, or call us now on 0800 089 0146 for your tailored insurance quote.
