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Fish Insurance We've put together a list of some of the UK's best accessible attractions from all over the country, offering everything from Harry Potter to breathtaking mountain views, there's something for everyone. A Blue Badge doesn't work the same in every local authority area, and there are some places where it cannot be used at all. To celebrate Carers Week 2022, our blog explores a day in the life of a carer and looks at what different challenges they face. Technology can help you or your loved one remain independent for a little longer.
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For over 40 years Fish Insurance has been providing specialist insurance in the UK for people with pre-existing medical conditions, disabilities or mobility issues. Each of our 80,000 policyholders have policies that have been specially designed to meet their unique and specific requirements. We provide specialist insurance cover for manual wheelchairs, powered wheelchairs, mobility scooters, in-home products such as stairlifts and hoists, as well as cover for wheelchair accessible vehicles (WAVs).
Our Mobility Scooter cover is designed to meet the needs of those looking to insure their scooter against loss or damage and protect themselves against third-party liability claims. With no age limit, our policies are designed to protect mobility scooter users. Covering the basics such as accidental damage, third-party liability, and theft, as well as benefits you might not expect, like personal accident cover.
If you're a disabled driver or have disabled passengers, we hope you'll love our Adapted Vehicle Insurance & Wheelchair Accessible Vehicle (WAV) Insurance. Further details are provided below. Our Disability Car Insurance policies specifically cover disabled drivers, adapted cars, and WAVs, why not give us a call and challenge us to beat your premium*?
If you have a disability, medical condition, or other issue that affects your mobility, you may be entitled to a blue badge. The blue badge scheme is aimed at people with severe mobility problems. A blue badge allows the holder to park as close as possible to their destination, minimising the distance between your vehicle and where you want to go.
Reviews (10)
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Michael McKeon
Jan 04, 2022
Spent hours and hours trying to get through to them today. Very frustrating! Wanted to add travel mobile chair to wheelchair policy - not possible! Paid 27 to insure Kuchall chair - value 2500 - and they wanted me to spend an additional 25 to insure showerchair with value of 500. Didn't seem to make financial sense. Unlikely to renew existing policy.
Richard Edge
Oct 24, 2021
Critical: Responsiveness Very slow to answer calls and reduced my 9+ years NCD to 5 years when I did not renew my policy. Shame on you Fish!
Helen Brown
Oct 01, 2021
Critical: Responsiveness Literally impossible to get hold of. Been trying for 2 weeks, phone, email, web chat. Nothing. Never had any issues before so I don't know why this is happening.
Little Minx
Jul 17, 2021
Withoit a doubt there is room for improvement from their side. Some of them are good and some really lack compassion. I actually felt like I was on trial when I phoned them up in the week, and it was even worse when their claims dept rang me back. It was only a shattered window and one of them was asking me if it was this, was it that after running off some scenarios.

When I told her on the phone it was none of them, her response was 'well I have to put something down from my list'. Well give me a better option and I'll answer your question.
David Everett
Jun 20, 2020
I have been with fish for 11 years with 4 polocies. Made no claims. They sneakily put prices up every year by a lot, only for me to have to phone to get a discount. First time i had to make a claim the staff are either ignorant or just dont know their own polocies. Over 5 times ive been promised a call back within 2 hours and never had one. They make the claiming process as difficult as possible changing what evidence they require week by week.

As a disabled person they are NOT i repeat NOT a disabled specialist. I will not be renewing any of my polocies with them and i urge all disabled users to shop around before you get caught on fishes hook pun intended
Edwina Mary Helen Crosby
Jul 05, 2019
They paid out for my scooter in Ableworld for a new shard.even though it wasn't I who got the old one scratched in the first place.it came back home from Ableworld from having been serviced by Ableworld day after I noticed the scratch.which they denied it.however I had to claim on my scooters fish insurance company to cover the cost of a new shard.which is good.so anyone else who gets a scooter I recommend them to fish insurance company.they are really good.
David Packard
May 25, 2019
My wife (my main carer) visited shops and filled up our Wheelchair Accessible Vehicle with unleaded instead of diesel. Called fish breakdown who went above and beyond all expectations. Being that the vehicle was stuck at the pump my wife was getting shouted at by a few Neanderthals who suggested she should push our VW caddy (on her own) out of the way despite other pumps being available!

The call handler at Fish dealt with my wife's call with compassion and understanding. He called her back on regular occasions to give updates but also just to check how she was doing. He realised my wife was very upset by the experience/abuse she was getting and his kindness restored faith in humanity. Fish Insurance certainly have some good employees who are a credit to the company!
Vera Bailey
Oct 02, 2018
Purchased mobility scooter insurance online for my Grandma. The process was quick and easy. Great price too! No complaints.
Ian Thompson
Jun 30, 2018
I have a similar experience to the review by Mark Sheene. This is my fourth year with Fish, the first two years were very reasonable at less than 240 with a slight reduction in the second year. I was super happy. I had a small claim with no other party (less than 1600), but despite having protected no-claims the renewal for 2016 came up at 315, an increase of 33%.

For 2017 it has jumped to 526, an increase of another 66%, despite having moved to a rural area with no recorded crime and all our other car insurance policies being unchanged in price. I called to query it and it immediately fell to 390. Unable to adequately explain why it was north of 500 to begin with, and unable to explain why it's more than last year.

Just the same guff as last year about tax and underwriting rates having gone up by a smidge. Beware also that their cover for a replacement car with hand controls is next to worthless. Their daily allowance for car hire is measly and they don't arrange it, you have to do it yourself. The company they recommended when my car was in for repair was in the Liverpool area and rates were over twice as much as the allowance per day, plus delivery and return on top.

So I managed with no car. A complete waste of time, I should have cancelled last year but was too busy to go looking for an alternative. In my experience then, the firm is no benefit to me as a disabled person despite all the hype and I'd suggest just insure with a normal firm that has better rates. That's my move this year (2017) and I won't be going back.

Same thing happened with my wheelchair insurance - very happy for a couple of years and then it got more expensive than the composition so I blew them out several years ago. If there was an option to give a zero star rating that's what I'd pick.
Mark Steene
Mar 21, 2018
Hello, I wanted to let everyone know about what seems to me like extremely dubious practices by Fish Insurance, the so-called 'disabled insurance specialists'. I have insured my car with them for two years, the last premium being over 800pa (which I assumed was reasonable due to needing cover for any driver over 25). This year the quoted renewal price was over 1000,a n increase of 23% which prompted me to look elsewhere.

A search on a comparison website resulted in a price of 268.00 for identical cover (identical save for no automatic European cover which I do not need - and surely cannot explain away the fact that this is ~800 cheaper)! To compound this, I have emailed Fish three times and had no reply, or even acknowledgement, whatsoever. Interestingly it was only once I advised of my intention to let others know of my experience that I actually got any response.

I know that unfortunately many insurers tend to seek to effectively 'punish' customer loyalty by such practices, but the above seems to me to be in a different league and particularly galling given their active targeting of the disabled market - I personally struggle to actively shop around for competitive quotations due to my condition, as I'm sure many disabled people also do. Their positioning as the 'disabled insurance specialists' maybe lulls people into a false sense of security which I believe to be fundamentally unethical and, well, sad.