Insurance for
Disability Converted

Up to 25% off

Discounted premiums, by up to 25%^, for Disability Parking Permit users

New for Old

New for old replacement option for disability conversions°

Wheelchair Cover

Up to $5,000 cover for assistive technology while it is in your car

We Have You Covered

Finding the right insurance policy can be difficult when your car has been converted for drivers or passengers with a disability. Most insurers don’t understand disability modifications and can struggle to offer you a comprehensive quote for a competitive price.

This is why other insurers may quote higher premiums; they see all modifications as a risk. As Australia’s first independence and disability insurance specialist, we know that Disability Parking Permit users in fact represent a lower risk because your conversions are there to support you, not boost your car’s performance or enhance its looks.

Another common issue is underinsurance. Ordinary insurers depreciate the value of conversions at the same rate as your car. This can be problematic as your disability conversions often hold their value and if you don’t have the right cover you may be faced with significant out-of-pocket costs when you make a claim. This is why we offer to insure your disability conversions for replacement value*° – that way you can have total peace of mind.

Why People Are Switching to Blue Badge*

  1. Discounted premiums, by up to 25%^.

  2. New for old replacement option for disability conversions°.

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

  4. Choose from agreed or market value.

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

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

  7. Up to $1,000 cover for carers/support worker’s tools of trade.

  8. Your choice of repairer.

  9. Monthly payment options available˜.

Types of Conversions We Insure

Your Questions Answered

Q1. Will this policy protect my car’s disability conversions if it’s stolen, damaged or written off?

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.°

Q2. How can I find out the replacement value of my disability conversions?

Like most things, the cost of disability car conversions often increase over time. This means that a conversion that cost $10,000 when you originally purchased them may cost $15,000 today. This is why we recommend insuring your disability conversion for their full replacement value so there is no gap between the cost of the new conversions and what your policy will pay if you have an accident. Because we work in close partnership with most of the disability car converters across Australia, we can help you determine the replacement cost of most conversions and can help you determine the replacement value of your conversions so you have total peace of mind.

Q3. Do I still qualify for Comprehensive Car Insurance with Blue Badge if I do not have a Permit, but I provide transport for someone who does?

Yes. If you do not hold a Disability Parking Permit but provide regular transport for someone who does, you are still eligible for our policy.

Q4. I carry my wheelchair in my car. Will it be covered by my insurance?

Yes. Our car insurance policy covers your wheelchair while it is in your car. We will pay up to $5,000 towards repairing or replacing your wheelchair or any other mobility equipment if it is damaged or stolen while being transported or stored in your vehicle. We also offer Comprehensive Wheelchair Insurance and Comprehensive Mobility Scooter Insurance to protect your equipment against theft, damage and liability when it is not in use or being transported in your car.

Q5. Will I get a courtesy car with the same conversions as my car if my car is stolen?

As we are specialists in disability converted vehicle insurance, we know you’re 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 car. Instead, if your car is stolen we will pay $150 per day for up to 28 days for you to use towards a similar rental car or taxi charges.

Q6. Does this policy cover my family, friends, Carers and Support Workers?

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.

Q7. How do I make a car insurance claim?

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 will be asked to provide the following:

  • Details of the Vehicles involved;
  • Names, Driver’s 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.
Q8. Does the NDIS (or any other funding body) help cover the cost of my car insurance?

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.

Q9. Can I pay for my insurance monthly?

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

Q10. Do you insure cars that have not be converted for disability?

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 insurance for non-converted vehicles here.

Blue Badge Insurance ATSA

Important 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.

~ 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.

^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 disability conversions up to 5 years old from newly installed. The maximum that we will pay will be the sum insured that you have told
us about and is specified on your Certificate of Insurance.

Blue 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.

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.