Here are some of the additional costs of being disabled in our home. We have 3 wheelchair users. I work 30hrs a week in a professional job but I hope to go back to full time after a period of ill health where I have been working reduced hours.
I have an adaptive car and we have just started to lease one for my eldest daughter, who at 18 deserves to be able to get out and about as does any other young adult who can't use buses and trains easily.
Things we have to take with us every time we go out, the chairs, back up Power sources, grips, gloves, specialist cushions and covers. You get caught in the rain, great get an umbrella! me I have to get my poncho cover, my chair cover and grow an extra pair of hands to get them out of the bag and and get them on, I can't just buy another umbrella. We always have spare ramps in the cars but I need someone to help me get it out.
We also have a bigger vehicle for getting all three wheelchairs in and out of for family trips. If you think your car insurance is expensive - double it and add some for an adaptive car. My work doesn't have private parking so I park locally and my Green Council has just introduced parking costs for Blue Badge people. If my car is in for repair or service, I need to get a taxi as I can't just borrow my husband's car and getting buses and trains have an extra level of issues, people and luggage in the wheelchair space, no one waiting for me at the station, the lifts out. There are two companies in our very large city which have adapted taxis and I often need to wait an hour or so.
My wheelchairs need insuring and servicing, so do our lifts, so does our electronic baths, so does the lifts on our beds, so does the adaptive equipment in the car, such as the lift, integrated ramps and slide boards.
Costs relating to adapting the house (wider doors, ramps, a lift, an adapted bathroom and wet room), we have a much higher house insurance due to the lift and bathrooms aids.
All of these cost exceed our PIP but they allow us to go to work, school, have a social life, apart from anywhere that has steps...
I am in my 50s and I have only been abroad 3 times and each of them were for Paras, I couldn't afford in my teens and twenties to even travel to euro and world championships. Now we have an adapted campervan which we were gifted from a charity about 5 years ago so the children could get to sporting events around Europe. And I can drive it too.