Amputees and the limb impaired can now benefit from access to bespoke home insurance products following the launch of a new specialist scheme devised by Arthur J. Gallagher for charity Limbcare.

Limbcare — which was established in 2010 by quad amputee Ray Edwards MBE to support amputees, the limb-impaired and their families — has entered into a three-year deal with Arthur J. Gallagher, which specialises in the design and development of insurance schemes for people with pre-existing medical conditions and disabilities.

Under the new deal, Limbcare Insurance Services will provide buildings and contents insurance, with features and benefits tailored to meet customer requirements, from its specially trained team experienced in meeting the needs of those living with disabilities, extending the offering into travel insurance in due course.

Buildings and contents insurance can either be purchased separately or together as a package policy. Its comprehensive insurance for contents can cover damage to or loss of prosthetics and orthotics, mobility aids and mobile medical equipment on a new-for-old basis, while its buildings insurance can encompass stair lifts, hoists, lifts/ramps, door alterations and wet rooms in addition to standard features of a buildings policy.

Diane Caplehorn, Arthur J. Gallagher’s account director for Limbcare, said: "Limbcare is a very specialist charity designed to help people live a more independent life.

"As so many disabled people or those with pre-existing medical conditions will have found, getting competitive insurance quotations can be difficult and time consuming, which is why we began devising specialist schemes for the charities supporting them.

Ray Edwards MBE, Co-founder of Limbcare, added: "Prosthetics and mobility aids are an essential part of life for an amputee, but until now it has been almost impossible to get insurance to cover these items."