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If youre not driving a vehiclesay if its not currently in roadworthy or in usebut you still want to insure it against theft, you can get policies known as laid up cover from specialist insurers. How can I get cheap car insurance if Im disabled? Under the Equalities Act 2010, car insurers are not permitted to raise your premiums or increase your excess because of your medical condition without evidence that it increases the risk of you making a claim. In all cases, they have to tell you the reason theyre increasing your premiums. That said, they can raise your premiums if they determine your condition does increase your likelihood of being in an accident, and disabled drivers may want to use a specialist insurer or seek out auto insurance through the governments Motability Scheme.
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Using a Financial Advisor. Best Investment Apps. Best Tax Software. Filing a Tax Extension. Taxes by State. Solving Tax Issues. How to Pay for College. Best Student Loans. Paying Off Student Loans. Personal Loans 101. Best Personal Loans. Best Car Loans. US Economy and News. The Balance uses cookies to provide you with a great user experience. By using The Balance, you accept our. use of cookies. Ways to Save. Rules of Thumb. Policy Fundamentals Ways to Save. How to Get the Cheapest Car Insurance. Weekend Images Inc./Getty Images. Emily Delbridge wrote about car insurance and loans for The Balance from 2011 to 2020. She has been a licensed Personal Lines Insurance Agent since 2005. Read The Balance's' editorial policies. Updated March 31, 2020. Unfortunately, there's' never a year-end clearance sale on car insurance. However, with some work on your part, you can still find the cheapest auto insurance rate possible.
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