Car Insurance for

Wheelchair Accessible Vehicles & Disability Converted Cars

Built with you in mind

Finding the right insurance for wheelchair accessible vehicles & other converted vehicles can be difficult.

But it doesn’t have to be.

Providing tailored insurance for wheelchair accessible vehicles (WAVs) and other disability converted cars is our specialty. In addition to giving you a discount of up to 25%* off your comprehensive car insurance, our focus is to ensure your WAV or disability modified car has the cover it needs. 

As Australia’s first disability equipment and car insurance specialist, Blue Badge Insurance understands the true value of disability converted vehicles and what it takes repair and replace them. You can trust us to provide great quality insurance for wheelchair accessible vehicles and more at an affordable price.



Blue Badge Insurance

The Basics

(Cover you expect from car insurance)

Loss or damage caused by collision, impact or malicious damage.

Legal liability (up to $20 million) for damage you accidentally cause to someone else’s car or property.

Loss or damage caused by theft or attempted theft.

Loss or damage caused by fire, hail, storm, or flood.

Repair or replacement of your windscreen (optional benefit).

24/7 Roadside Assistance (optional benefit for $93.50/year inc. GST)ᵒ

Blue Badge Insurance

The Blue Badge Difference

(What makes us different)

Discounted insurance for wheelchair accessible vehicles and disability converted cars, by up to 25%*.

New for old replacement option for disability conversions^.

Cost of insurance for conversions clearly separated on invoice for ease of claiming back from the NDIS or similar funding bodies.

Cover your family, friends, carers or support workers who drive your car˘.

Up to $150 rental car benefit/day for up to 28 days following theft.

Up to $5,000 cover for assistive technology (wheelchair, walkers, mobility scooter etc.) while in your car.

Types of

Conversions We Insure:

Blue Badge Insurance

Hand Controls >

  • Spinner knobs
  • Hand controls
  • Foot steering
  • And more

Ramps >

  • Rear ramps
  • Side ramps
  • Lifts
  • And more

insurance for wheelchair accessible vehicles

Lifts >

  • Sling lifts
  • Storage hoists
  • Wheelchair lifts
  • And more

insurance for wheelchair accessible vehicles

Transfer Seats >

  • Swivel seats
  • Transfer chairs
  • Transfer boards
  • And more

insurance for wheelchair accessible vehicles

Lowered Floor >

  • Structural changes for wheelchair accessibility



Sandra was most efficient in all aspects of my claim; from lodgement of my claim and processing the repair quote submitted by the repairer which was approved the next day!!!
I tried getting a few insurers to quote and underwrite a van converted for disability for a family member but to no avail as it was difficult for them and then through word of mouth contacted Blue Badge Insurance Australia. Briony not only was exceptional in her consultation and communication but made the process so much easier, fast and a pleasure to deal with plus a greater saving going with Blue Badge. Thanks and keep up the good work!
WOW! Such an incredible experience...Thank you so much for completing my car insurance policy with Blue Badge... Jenny was amazing and it was a pleasure doing business with you. I very much appreciate Jenny's great understanding, her professionalism, flexibility and her lovely and compassionate words of encouragements. I have saved over $170 in comparison to my previous Insurer's fee. I will gladly recommend Blue Badge Insurance Australia to all of my friends and will share your web site and your FB profile with all my FB friends...Thanks again, you made my day!!!
Wow - saved over $800 on our two cars - lady I dealt with on the phone was amazing - saved us even more than what I did on the website.
Highly recommend Blue Badge. Great phone service very helpful, friendly, and straight forward. Affordable insurance deals including roadside assistance. Quick set up, policy details and sign-up information sent to you in minutes. Most of all they will cover modified vehicles with good quality insurance. Thank you Blue Badge 🙂
Nambucca Heads
Just recently insured my car with Blue Badge Insurance and the customer service officer was fantastic.I was previously with another insurance company who asked a lot of questions which Blue Badge Insurance didn't. I would definitely recommend them to anyone who is thinking about insurance with them.
Gold Coast
I have to say I will never move on from Blue Badge. My insurance had just expired but I didn’t realise it till they called me I spoke to a gorgeous lady by the name of Jenny who took down my financial issues right now and called me later stating they had found another cover with the same coverage as before but managed to make it cheaper for me. I’m now going to pay monthly till I get my super released to me then I will pay the yearly fee again. I honestly thank Jenny and Blue Badge I might have found myself in financial trouble but they were able to work it out for me so I can keep up my insurance.
Gold Coast
Pleasant customer service, cheaper than Woolworths or Coles, with a better return for your money, policy, easy monthly payment, I highly recommend Blue Badge for your next insurance.
East Gosford
disability insurance

More Insurance Savings

Did you know we also insure wheelchairs and mobility scooters? Click to see how our affordable policies can protect you and your equipment.

Blue Badge Insurance Window Sticker





At Blue Badge, we understand how important the disability conversions are on your car. Our policy is designed to cover all your specific conversions in the event of accidental damage, loss and theft. In the event that your vehicle is stolen, damaged or written off, we will be able to offer you the sum insured shown on your Certificate of Insurance. This will include the agreed or market value of your vehicle plus any accessories, modifications and/or conversions that have been specified on your Certificate of Insurance.

Yes. If you don’t hold a Disability Parking Permit but provide regular transport for someone who does, you’re still eligible for our policy.

Yes. Our car insurance policy for disability parking permit holders covers your wheelchair while it’s in your car. We’ll pay up to $5,000 towards repairing or replacing your wheelchair or any other mobility equipment if it’s damaged or stolen while being transported or stored in your vehicle.

We also offer Wheelchair Insurance in Australia and Mobility Scooter Insurance in Australia to protect your equipment against theft, damage and liability when it’s not in use or being transported in your car.

As we’re specialists in insurance for wheelchair accessible vehicles and other disability converted cars, we know your car’s conversions are unique for your specific needs so we know it will be very difficult to find a courtesy car with the same specifications as your vehicles.

Instead, if your car is stolen we’ll pay $150 per day for up to 28 days for you to use towards a similar rental car or taxi charges.

Yes. If you’d like your policy to cover everybody who drives your car, all you have to do is tell us about them when you take out the policy with us.

If you need to make a claim, we recommend that you call us as soon as possible on 1300 304 802. Our friendly staff will ask you for the full details of the incident and will help manage your claim until it has been settled.

Depending on the circumstance of your claim, you’ll be asked to provide the following:

  • Details of the Vehicles involved;
  • Names, Driver Licence and contact details of the other drivers involved;
  • Contact details of any witnesses to the incident;
  • Accident details including date, time, location and occurrence;
  • Details of the road, traffic and weather conditions prior to the incident.

Many of our customers have been able to claim back a portion of their insurance premium from various funding bodies, including the National Disability Insurance Scheme (NDIS) and Transport Accidents Commission (TAC).

To help facilitate this, we clearly separate the charges associated with insuring your disability conversions on our documentation as most funding bodies only cover this component.

Yes, monthly instalments are available through a direct debit with Blue Badge Insurance. There’s a small additional fee involved with using this payment method**.

Yes, we insure anyone who holds a current Disability Parking Permit – regardless of the type of car you drive. You can find out more about our car insurance and mobility car insurance discounts for non-converted vehicles here.

Specialist Car Insurance 

Designed Exclusively 

for People with Disability.


News & Information

For full details of the conditions, terms, limits and exclusions and to decide whether this cover is suitable for you please read the relevant Product Disclosure Statement. Any advice provided is general only and does not take into consideration your personal circumstances. Please read the relevant Product Disclosure Statement to decide whether this cover is suitable for you.

ᵒBlue Badge Roadside Assistance is provided by Digicall Assist Pty Ltd. ABN 92 152 605 340. Please familiarise yourself with the separate Terms & Conditions of the Blue Badge Roadside Assistance. You can choose to add this Optional Benefit to your Blue Badge Insurance Comprehensive Motor Vehicle Insurance.

*Discounts for the Blue Badge Insurance Comprehensive Motor Vehicle Insurance will be applied to the base vehicle rates subject to the customer holding a permanent Disability Parking Permit and/or the vehicle has been converted for use by a driver or passengers that have a disability. The discounts do not apply to the Blue Badge Roadside Assistance Optional Benefit. Underwriting criteria will be applied to the consideration of the risk. Additional excesses will apply to drivers under 25 or those drivers who have held a full Australian drivers licence for less than 2 years. This offer may be withdrawn at any time.

^ New for old replacement on conversions up to 5 years old from newly installed to a maximum value of $75,000.

~ For mobility equipment valued up to $10,000. Discounts will be applied subject to the nature and history of the risk. Underwriting criteria will be applied to the consideration of the risk. This offer may be withdrawn at any time.

** For new policies commencing on or after 9 April 2020 with a policy number starting with BBMC. Monthly payments are organised direct through Blue Badge Insurance. Payments are available by direct debit from your nominated credit card or bank account. Direct debits will occur on the same day of each month and incur an additional fee of 4%.

For new or renewal policies with a policy number starting with BCM or MOT. Monthly payments are organised with Attvest Finance Pty Ltd. Payments are subject to their own terms, conditions and limitations and a monthly fee will apply that includes interest, taxes and charges.

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