If I have a disabled access taxi does this make a difference to my premium?

You should make your insurer aware if your taxi is a disabled access vehicle just to ensure you cover your own back in the instance of an accident. They should ask you during the quotation process whether your vehicle has any modifications and this is the time to mention it.

Some insurance companies would consider disabled access as a modification to the vehicle because it can mean removing seats, adding straps and adding ramps to the vehicle. This affects the value of the car as they have to cover the value of the modifications in the premium. This means they might charge more because if there was an accident a disabled access taxi would be more expensive to repair or replace.

It is always best to check with your insurer because this policy may differ between companies so it may be worth shopping around or speaking to a specialist.