I get this question frequently from customers who are in the market for wheelchair vans, “How do you get insurance for an accessible van? I’ve called a bunch of companies and they all tell me that they don’t cover the wheelchair conversion, just the vehicle. Can you help me out?”
I’m not surprised to hear the insurance companies telling you that they don’t cover the wheelchair conversions of the vehicle. I only say that because we represent such a small market segment that many insurance companies have never heard of a wheelchair van and don’t know how to code it or how to handle it. What I recommend it so contact your insurance company and ask to get a rider. An insurance rider provides additional coverage for something specifically not covered with a primary policy. The rider is added to the primary policy and the policyholder pays an extra amount to cover the rider.