Standard car insurance may not provide the specific cover needed for adapted vehicles – such as access to a suitable courtesy car if yours is off the road, or proper protection for your specific adaptations and modifications. But cover through Fish is different. For 20+ years we’ve been designing specialist WAV insurance policies around the real needs of our customers.
Does this sound familiar?
- You worry about being stranded if your scooter breaks down, with no way to get yourself – and your scooter – home.
- You’re not sure if your home insurance covers your scooter properly, or what would happen if it was damaged or stolen.
- You want the security of knowing that if something goes wrong, you won’t be stuck in limbo, waiting days for a solution.
- You need insurance that’s built for specialist mobility equipment, not tagged onto a standard policy that doesn’t quite fit your needs.
- You’re looking for straightforward cover that protects what matters most – your independence and ability to keep living life on your teams.
What if things looked different?
- You have specialist cover designed specifically for mobility scooters and powered wheelchairs – not generic home insurance that might leave gaps.
- If your scooter breaks down, you know someone will get both you and your scooter home, so you’re never left stranded.*
- You’re protected if your scooter is damaged, stolen, or written off, with options for new-for-old replacement when your scooter is less than 2 years old.
- You have liability protection, so if an accident happens, you could have support and cover to help manage the costs.
*Recovery is provided for journeys up to 20 miles from the incident, with longer distances available at an extra mileage charge. Available with our Extra level policy only.
Why Fish understands mobility insurance
We’ve been providing specialist disability and mobility insurance since 1975. That’s over 50 years of working with people with [], disabilities or additional mobility requirements.
Each of our many customers benefit from policies specially designed to meet their unique and specific requirements – not one size fits all cover.
At Fish, we understand that your scooter or powered wheelchair is more than equipment, it’s your freedom. It’s how you stay part of your community; how you get to the shops, see friends, attend appointments, and so much more.
Choose the cover that works for you
We offer 3 levels of cover – Lite, Standard, and Extra – so you can find the right protection for your needs and budget. Our policies can include:
Protection if your scooter or powered wheelchair is damaged, stolen, or needs replacing. Cover if you’re involved in an accident that causes injury or damage to someone else. Help getting you and your equipment home if you break down. Options for new-for-old replacement, battery cover, and 24/7 breakdown recovery.
The level of cover available depends on which policy you choose. For full details of what is and isn’t covered, including any exclusions and eligibility requirements, please see our policy documents.
Protecting your independence
Recently, we carried out customer research in which 40% of mobility scooter users told us they bought insurance because it was “the right thing to do as a responsible person.” Protecting your independence just makes sense to us.
We’ve been part of the disability and mobility community for 50 years. We work with mobility retailers, charities, and Local Authorities who trust us to look after their customers and clients. With our policies rated 4.7 out of 5 on Trustpilot, you can feel confident you’re in good hands.
What our customers say
“Found your details in the latest Motability magazine and have been looking for a good insurance policy for my new scooter.
So glad I saw the recommendation, looked up your website, and went through all the straightforward questions.
Your system gave all the options with comprehensive breakdowns, and I was able to choose the insurance that was right for me.”
– Tracey Jackson [11 Nov 2025]
Get your mobility scooter or powered wheelchair covered
We offer tailored policies designed for mobility scooter and powered wheelchair users. Our expert team have specialist knowledge and will talk you through your options clearly so you can choose with confidence.
Speak to one of our experts: 0333 331 3770
Our UK-based team are here to help.
Still have questions? Take a look at our frequently asked questions:
Financial Promotion Reference: Webpage – WAV FP26065
