Fish Insurance

Fish Insurance: specialist cover for disability and mobility needs

Fish Insurance is a trading style of Fish Administration Ltd., a UK insurance provider that has spent more than fifty years building products for people with pre-existing medical conditions, disabilities and mobility issues. The company states that it is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 310172) and is registered in England & Wales under company number 4214119. It forms part of the PIB Group.

Its proposition is not general insurance with a disability add-on, but a catalogue of policies each designed around a specific piece of equipment, vehicle type or life situation. The company says it develops these products in consultation with customers, healthcare professionals, local authorities, mobility and healthcare equipment dealers, charities and its own insurers.

Vehicle and driver policies

Two motor products sit at the centre of the offering. Wheelchair Accessible Vehicle (WAV) Insurance covers adapted cars, while Disabled Drivers Car Insurance is aimed at drivers with disabilities and likewise covers adapted vehicles. Alongside these, Mobility Scooter Insurance protects scooters, a category the company treats as a product in its own right rather than an extension of car cover.

Wheelchairs and equipment warranties

For wheelchair users, Fish offers separate Manual Wheelchair Policies and Powered Wheelchair Policies, each described as specially designed for that type of chair. A distinct warranty line covers equipment rather than vehicles: Hoist Warranty provides cover for electrical or mechanical faults affecting hoists, and Stairlift Warranty does the same for stairlifts. The company also advertises cover for prosthetics.

Travel, carer and employer cover

The travel range includes Single Trip Travel Insurance, Pre-Existing Condition Travel Insurance, Disability Travel Insurance and Over 50s Travel Insurance. Separately, Carer & Employer Insurance is presented as support for carers and employers, and the company also offers liability insurance for people who employ their own personal assistants at home.

Business partnerships

Fish works with commercial partners through two channels: Mobility Retail Partners, aimed at mobility retailers and motor partners, and Protect Partners, aimed at care and independent living organisations. These routes let third parties offer the company's policies to their own customers.

Company background and service claims

Fish Administration Ltd. is registered in England & Wales, with its registered office at Rossington's Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. The company describes its staff as specially trained and based in the UK, and states that every policy it offers has been designed to meet its customers' requirements. It also publishes a blog with guides on topics such as sign language, deafblindness, adapted vehicles and accessible summer destinations in the UK. Customer feedback is referenced through Trustpilot, and the site notes a fiftieth-anniversary initiative framed around giving back.