About 10% of the residents of the State of Israel are restricted in their movement and many of them need a vehicle that is specially adapted to their needs. For this reason, insurance companies offer special car insurance policies for these vehicles. This policy differs in that it addresses the cost of the vehicle, but also the unique equipment that exists in it and significantly micromanages the insurance. For example: a leaflet, raising systems or manual operating pedals mounted on the steering wheel.
Another element that affects the level of premium is that most of these vehicles are large and new vehicles, and therefore require expensive protection. All of these create a situation where the difference in price between a regular policy and the price of a policy for a disabled car can reach thousands of NIS.
Who is responsible for car insurance and whether there are discounts from the state?
Disabled car insurance is intended for an insured person who has limited mobility and is in possession of a well-equipped vehicle used by them for independent travel or for transportation by a driver. Disabled IDF veterans are entitled to participation (full or partial) in the payment of car insurance. Disabled people who are not disabled IDF veterans and are recognized as disabled by the National Insurance Institute after undergoing a state medical committee are entitled to significant benefits in purchasing insurance. Even if the vehicle is not registered in your name, but in the name of one of the family members, you may in some cases be entitled to a reduced payment on the policy.
Special Discounts in the Shekel Group
The Shekel Group is determined to stand by the disabled public in Israel, so you can enjoy a particularly affordable premium for your vehicle with us. Our agents are well acquainted with the steps that must be taken in front of various bodies, such as Social Security, and we will assist you with them as needed before purchasing the policy, and if necessary after an insurance event.
Special Coverages and Extensions of Your Choice
Automatic establishment without additional payment – returning the insurance premiums to their previous status in the event of a partial claim (the customer is exempt from paying the establishment fee in the next claim, if any).
Third party liability is extended in the policy without additional payment up to NIS 750,000
Extension to cancel deductible
Road Services – V.I.P.
A of road services package designed for disabled vehicles by the only company in the country that provides these services:
Coverage for a replacement vehicle with a leaflet suitable for transporting people with disabilities. The replacement vehicle is given for a period of up to 30 days in case of theft or total loss and up to a period of 7 days in case of accident.
Payment for shuttle services – this coverage is provided to the insured at no extra charge. The coverage provides monetary compensation to the insured for each day the vehicle is in the garage as a result of an accident and / or theft, which is covered under a comprehensive insurance policy. Coverage is not limited to the number of applications during the year. The compensation is NIS 250 per day and is conditional on the approval of an appraiser and the presentation of receipts from shuttle services – taxis / buses.
Wheel Replacement
Cover for broken windows and broken glass, including replacement of rubbers.
Complementary towing – second towing for the same fissue (initial towing – through Social Security).
Representative and transportation in the event of an accident – the company undertakes to transport the insured to the object district from the place of the accident. This coverage is extremely important for people with disabilities since unlike a person without physical disabilities, they are not always able to get into a regular taxi and evacuate. Therefore, the shuttle service includes a vehicle with a leaflet suitable for transporting a person with a wheelchair.
* Some extensions involve an additional fee.