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Under Insurance – Is your car really covered?



With technology constantly improving, there are a range of disability-converted vehicles available in today’s market. From cars with ramps, hoists and lifters to facilitate getting in and out of the vehicle, right through to sophisticated hand and foot controls to assist drivers with limited mobility. There are many solutions available to cater to a wide range of needs.

Like most technological breakthroughs, disability vehicle conversions come at a price. In many cases the cost of the conversions are higher than the value of the vehicle itself.
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This can create issues when it comes to insuring your car. Most insurers are not familiar with disability conversions, and this means they may not be able to provide comprehensive cover at a reasonable price.

It can also mean that you may be facing the risk of underinsurance – having inadequate insurance cover which can lead to significant financial loss.

This typically happens because most insurers depreciate the value of the conversion in the same way they depreciate the value of a car.

The problem is that most disability conversions don’t depreciate over time. If anything, materials and labour get more expensive with each passing year. This creates a significant risk of underinsurance because if your car were to be damaged or written-off, you could be faced with a big gap between your insurance payout and the cost of getting your car back on the road.

The importance of this issue is emphasised by Blue Badge Insurance CEO, Nik Witcombe, who says “we’ve had some customers who have spent over $50,000 to convert their vehicle but later found it was insured for less than $10,000. As you can imagine, this can be quite devastating if they were to be involved in an accident.”

As Australia’s first disability insurance specialist, Blue Badgehave an extensive knowledge of disability converted cars and can help you if you’re concerned about underinsurance. Blue Badge Insurance covers a wide range of conversions and gives you the choice to insure your conversions on a new for old basis so you have total peace of mind.

If you’re interested in getting an obligation free quote to find out how Blue Badge compares to your current insurer, call 1300 304 802 or click here to start your quote.

You can also find out more about their Comprehensive car Insurance for Disability Converted Cars here.

And remember – mention PDCN when buying insurance to ensure you get the best offer, and PDCN also receives a donation from Blue Badge!




*Full Terms and conditions for Blue Badge offer. It is important to read the PDS before deciding if a Blue Badge insurance policy is right for you.

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. Not available with any other offer.

Consider the PDS at to decide if the product is right for you. Blue Badge Insurance Australia Pty Ltd, ABN 59 162 783 306, (AR No. 438547) is an Authorised Representative of The Hollard Insurance Company Pty Ltd, ABN 78 090 584 473 (AFS Licence No 241436).