Wheelchair Accessible Vehicles

Wheelchair Accessible Vehicle insurance is tailored specifically for users of wheelchair accessible vehicles driven for private use only.

The Wheelchair Accessible Vehicles insurance policy for Holden Combo, Renault Kangoo/Liberte, Citroën Berlingo and VW Caddy covers you for: 

  • Loss or Damage
  • Theft
  • Accidental Damage
  • Third Party Liability Cover

Additional covers and limitations

  • Replacement with a new vehicle if a total loss occurs within three years and has not travelled more than 50,000 kilometres. 
  • Choice of repairer – the insurer will recommend a licensed repairer, or you may choose your own repairer, provided the cost of repairs does not exceed the adjusted repair cost determined by an external assessor. The insurer will either authorise repairs or pay the reasonable cost of repairs. 
  • Hire car extension – if your vehicle requires repairs following damage, and you have comprehensive cover, the policy can reimburse you for reasonable taxi or public transport fares to both drop-off and pick-up your vehicle from the repairer. The maximum cover is for 21 days.
  • Windscreen extension – cover for one excess free windscreen or window claim each year. This will not effect your “no claim bonus”. 
  • “At fault” protection for one claim – the policy will protect your “no claim bonus” for one “at fault claim” during your period of insurance. If you make more than one “at fault claim” during your period of insurance, your “no claim bonus” will be reduced at the next renewal of your policy. 
  • Basis of valuation – the sum insured is Market Value plus the new replacement cost of modifications up to a maximum insured sum of $50,000 for all models, except the Kangoo Liberte, which has a sum insured of $60,000, and the Caddy which has a maximum sum insured of $70,000. 

Subject to terms and conditions of the policy.

Cover available for drivers under the age of 25 (Subject to referral).

Click here to obtain our Freewheeler Insurance Application form or contact one of our specialist brokers via the General Enquiry form below.

The above information is a summary of the policy wording and should only be considered as general advice. It is not intended to take the place of personal advice. Before acting on this information you should consider the appropriateness of this advice to your particular objectives, needs and financial situation. For a full explanation of policy terms, conditions and limits you should refer to the Product Disclosure Statement CV440 REV6 0519 – PID0301 REV18 0519 which can be obtained from our office. Cover is subject to underwriting acceptance criteria. This product is issued by Insurance Australia Limited | ABN 11 000 016 722 | AFS License No. 227681 trading as CGU Insurance.

Covered Features

Windscreen Extension

Covers you for one excess free windscreen or window claim each year. This will not affect your “No claim bonus”. 

Replacement Vehicle

Replacement with a new vehicle if a total loss occurs within three years and has not travelled more than 50,000 kilometres. The vehicle replacement must occur as a result of an incident the insurer has agreed to cover. 

One at Fault Claim Protection

The policy will protect your “no claim bonus” for one “at fault claim” during your period of insurance. If you make more than one “at fault claim” during your period of insurance, your “no claim bonus” will be reduced at the next renewal of your policy. 

Comprehensive Motor Policy

Cover for theft of, or accidental destruction of or damage to your vehicle and cost of modifications for wheelchair access. 

Basis of Valuation

The sum insured is “Market Value” plus the new replacement cost of modifications up to a maximum insured sum of $50,000 for all models, except the Kangoo Liberte, which has a sum insured of $60,000, and the Caddy which has a maximum sum insured of $70,000. 

Hire Car Extension

If your vehicle requires repairs following damage, and you have comprehensive cover, the policy can reimburse you for reasonable taxi or public transport fares to both drop-off and pick-up your vehicle from the repairer. The maximum cover is for 21 days. 

Choice of Repairer

The insurer will recommend a licensed repairer, or you may choose your own repairer, provided the cost of repairs does not exceed the adjusted repair cost determined by an external assessor. The insurer will either authorise repairs or pay the reasonable cost of repairs. 

FAQ's:

This policy covers you for Comprehensive Cover – Cover for theft of, or accidental destruction of or damage to your vehicle, and cost of modifications for wheelchair access. 

The sum insured will be Market Value of the vehicle at the time of loss plus the new replacement cost of modifications up to the Sum Insured specified on the schedule.

Vehicles that have been modified for wheelchair access can be covered under this scheme. These vehicles are: Holden Combo, Renault Kangoo/Liberte, Citroen Berlingo and Volkwagen Caddy. 

Drivers are only required to be listed if they drive the vehicle more than 10% of the policy period. Drivers under 25 years of age, drivers not on a Rating One and drivers who have had claims, convictions and driving offences are required to be referred to the insurer.

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