NHS Wheelchair Insurance

Specially designed insurance for NHS-provided manual and powered wheelchairs that helps keep you moving. Find out more information about what’s covered below.

Find out more

NHS Wheelchair Insurance from Fish Insurance

Our NHS Wheelchair cover is designed to meet the needs of those looking to insure their Personal Wheelchair Budget funded manual or powered wheelchair and protect themselves against third-party liability claims, with the option to include loss or damage cover.

We offer policies tailored towards both manual and powered wheelchairs, with all policies including third-party liability cover, worldwide cover, and either recovery costs or a breakdown recovery service.

Choosing a policy

We offer three levels of cover, so you can choose the policy that meets your needs.

NHS Powered Plus
If the Personal Wheelchair Budget you receive has
been arranged on the basis that it’s you, rather than
the NHS, who is personally responsible for any
loss or damage to your powerchair.

NHS Powered Basic
If the Personal Wheelchair Budget you receive covers
any loss or damage caused to your powerchair, and
you only require cover for third party liability and
breakdown recovery.

NHS Manual
If the Personal Wheelchair Budget you receive is
for a manual wheelchair.

For limitations and exclusions, please refer to the Insurance Product Information Documents (IPIDs)

 

NHS Manual

NHS Powered Basic

NHS Powered Plus

Third Party Liability Find out more
x

Third Party Liability

What it covers

• Cover for accidental damage to third party property or accidental injury to third parties arising from use of the wheelchair.
• Up to the policy limit for any one occurrence.

Some things it doesn’t cover

Any liability:
• Arising out of wrongful or inadequate advice given by you or on your behalf.
• To any person employed by you or any passenger.
• Arising out of any trade or profession in which you are engaged.
• Arising out of any occurrence in USA or Canada.
• Where the mobility scooter or powered wheelchair has been used for purposes other than that for which it was designed.
• Caused by your wilful act or by the misuse of the power wheelchair.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

Up to £2m
Up to £2m
Up to £2m
24/7 Fish Mobility Rescue Find out more
x

24/7 Fish Mobility Rescue

What it covers

• The recovery of the user and the power wheelchair in the event of a breakdown.
• The maximum distance is a 10-mile journey from the location of the breakdown or accident.
• Flat batteries assistance is restricted to a maximum of 4 times within any period of insurance.

Due to certain limitations of lifting equipment and personal training, service cannot be given to persons who require medical assistance in transferring from their vehicles to the recovery vehicle.

Some things it doesn’t cover

• Any powered wheelchair which is not stated on the policy schedule.
• Breakdowns caused by a failure to maintain the power wheelchair in a roadworthy condition, including the routine servicing in accordance with the manufacturer’s recommendations.
• Recovery assistance at the home address.
• Following recovery it is your responsibility to arrange and pay for any costs relating to the subsequent collection and repair.
• Any subsequent callouts for the same issues relating to a claim which has been made within the last 28 days.
• Any claim within 24 hours of the time the policy is purchased.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

 
Recovery Costs Find out more
x

Recovery Costs

What it covers

• Following a breakdown reasonable expenses to get you and the wheelchair home.
• Limit any one claim £100.
• The maximum total benefit payable in any one policy year is £200.
• You would be initially required to pay these expenses and then claim them back against the policy.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

Some things it doesn’t cover

• Any costs exceeding the policy limits.
• Any claims where proof of costs cannot be provided.

Up to £200 per year
24/7 recovery included
24/7 recovery included
Worldwide Cover Find out more
x

Worldwide Cover

What it covers

•  The geographical limits* of the policy will extend to worldwide in respect of loss or damage (Powered Plus only) and third party liability only, for a maximum period of up to 21 days whilst the powered wheelchair is temporarily outside the geographical limits.

*Geographical limits: England, Scotland, Wales, Northern Ireland and the Isle of Man.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

Some things it doesn’t cover

• The maximum amount payable in respect of damage to the wheelchair whilst in the possession or control of airport authorities, baggage handlers or whilst on aircraft, is limited to the difference between the amount recovered from the baggage handler and the cost of repair or replacement, not exceeding the market value.
• No third party liability cover in USA or Canada.

21 days
21 days
21 days
Loss or Damage Find out more
x

Loss or Damage

What it covers

• Accidental and malicous damage.
• Fire, which could be accidental or the result of arson.
• Storm, which are incidents caused by the elements and are unavoidable.
• Damage as a result of a flood as long as you’ve taken every precaution to safeguard your power wheelchair.
• Theft or attempted theft. This must be forcible. For example, if you leave your power wheelchair with the key in the ignition then no cover would be in force if it was stolen.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

Some things it doesn’t cover

• Loss or damage to accessories unless the manual or powerered wheelchair is damaged at the same time.
• Electrical or mechanical breakdown, failure or derangement, or manufacturing defects.
• Wear and tear.
• Any powered wheelchair that can exceed 8 mph.

There is no theft cover whilst the power wheelchair is left unattended (other than in a locked and secured building) for more than 1 hour unless secured to an immovable object by a padlock and chain. Theft must be forcible. Also, there is no cover for loss, destruction or damage by any cause whatsoever whilst left in the open for more than 12 hours or overnight.

Upon payment of a total loss claim, all cover will cease and there will be no return premium for the remaining period of insurance, except for termed policies for more than 1 year, where a refund of the full unexpired years will be issued.

Up to sum insured
 
Up to sum insured
Cost of Hiring Alternative Equipment Find out more
x

Cost of Hiring Alternative Equipment

What it covers

• The cost of hiring alternative equipment in the event of your wheelchair requiring a repair or replacement.
• You must ask for our approval prior to hiring the equipment.

Some things it doesn’t cover

• No benefit is payable for the first 7 days following an insured event.
• Refer to the table for details of the policy limits.

Up to £100 per year
 
Up to £100 per year
New for Old Replacement Find out more
x

New for Old Replacement

What it covers

• New for old replacement applies only to manual or powered wheelchairs less than two years old (or less than three years old in respect of accidental damage claims only) at the time of the incident that leads to a total loss claim where you have owned the manual or powered wheelchair from new or purchased it as new (i.e. it has never been previously owned by any other person (ex-demonstration model)).

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

Some things it doesn’t cover

• New for old replacement will not apply to manual or powered wheelchairs more than two years old (or more than three years old in respect of accidental damage claims only) at the time of the incident that leads to a total loss claim. Claims will be paid on a market value basis.

 
Personal assault cover Find out more
x

Personal Assault Cover

What it covers

  • In the event of the user being mugged or assaulted using the insured Item(s)
    necessitating hospital in-patient care, up to the policy limit of £250, subject to satisfactory doctors/police reports being provided.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

Some things it doesn’t cover

 
 
Up to £250
Personal effects cover Find out more
x

Personal Effects Cover

What it covers

  • Personal effects if they are lost, damaged or stolen as a result of an insured event to the power wheelchair.

Limitations and exclusions apply, please refer to the Policy Wording and Insurance Product Information Document (IPID) found here

Some things it doesn’t cover

• Loss or damage to money, stamps, tickets, documents, or securities.

 
 
Up to £200

Why choose this cover

†Product available as optional add-on to all NHS Wheelchair Insurance policies, available at an additional cost.
††24/7 Mobility Rescue only available when purchasing an NHS Powered Basic or Plus policy.

NHS Wheelchair Insurance policy documents

You can find all our NHS Wheelchair Insurance policy documents here

View policy documents

Still got questions?

We’ve answered some of the queries you might have about our NHS Wheelchair Insurance