Expert Advice on Insuring Ford Wheelchair Vans


It’s one of those completely unavoidable annoyances. Insurance. If you want to drive your Ford wheelchair van legally, you’re going to need proper coverage.

No one wants to shop for vehicle insurance, but you can make the process a little less annoying and much more productive if you know a few keys to handling the process for your wheelchair van. Here are three key things to know.

Ford Wheelchair Van Drivers Pay More

First, you can expect to pay more to secure coverage for your Ford wheelchair van. That’s due to two factors.

Initially, your van features a number of customizations that drive up its replacement value. You’re not just insuring a van, you’re insuring you’re van and the conversions that make it a perfect fit for you.

Additionally, actuarial tables do indicate that wheelchair van drivers are more likely to be involved in insurance claims than are other drivers. The fact that you, personally, may be an ideal driver can’t change that and insurance companies consistently (and legally) set rates based on those overall statistics.

You Can Get Great Insurance Deals

Second, you shouldn’t let those facts stand in the way of getting the best possible deal on insurance, nor should you allow yourself to be discriminated against based on your disability or your vehicle’s conversions.

In the US, the Disability Discrimination Act of 1995 (as modified in 2006) prohibits insurers from discriminating on the basis of disability. If you’ve passed your driving test in your adapted van and the vehicle is certified as roadworthy, you are entitled to an insurance quote. Period.

Full Disclosure

Third, you need to fully disclose all relevant aspects of your situation when insuring your Ford wheelchair van. That means being completely forthcoming about any restrictions on your driver’s license and advising your insurer of all modifications made to your vehicle. Failure to provide that information can have negative repercussions.

Initially, it could lead to a situation in which the company refuses to pay a claim due to your lack of disclosure. It doesn’t make sense to pay for insurance that won’t be worth a dime when you actually need it.

Additionally, full disclosure will assist you in receiving the appropriate funds to facilitate repair or replacement of your wheelchair van in the case of an accident. You may be tempted to leave a few things out in order to secure a slightly lower rate, but that advantage is dwarfed by the benefit of having the level of coverage you really need in the event of a mishap.

In addition to those three recommendations, you’ll want to adhere to all other best practices generally associated with insurance shopping. Getting coverage for your Ford wheelchair van isn’t all that different than obtaining a policy for any other passenger vehicle. You have a few unique issues to confront, but those don’t constitute a reason to turn your back on the usual ways of getting the best coverage for your money.

Get a Discount

Ask about discounts. Be certain you’re getting enough coverage. Comparison shop. In other words, be a smart consumer.

Finding the perfect wheelchair van for your needs is a great first step. Making it legal is the necessary next move. Being certain that you’re adequately insured is the smart follow-up maneuver. Both the second and third steps require quality insurance.

Buying insurance isn’t on the top of anyone’s list of fun things to do, but you can make it less painful and more productive by approaching it with the right perspective and information. Keep these tips in mind as you secure optimal coverage for your Ford wheelchair van. Then, you’ll be able to legally hit the road with the sense of overall security solid insurance provides.

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