Specially designed insurance for mobility scooters that not only gives you peace of mind, but helps keeps you moving. Choose from three levels of cover:
Mobility Scooters can be essential for those who struggle with their independence due to limitations in mobility. Our Mobility Scooter Insurance ensures you keep your independence with comprehensive cover, which includes: accidental damage; breakdown cover; third party liability; theft; personal accident; puncture care and key care with no hidden fees or charges.
Covers the cost, including callout, of repairing a tyre puncture (can only be purchased in conjunction with a scooter and power chair insurance policy).
Insurance cover in the event that any of your keys attached to the provided fob are lost or stolen.
Extensive UK breakdown and accident assistance cover. This includes either recovery to your home, UK holiday accommodation or local repairer.
Covers you in the event that you cause an accident or damage to someone else or their property.
Cover if you are injured as a result of an accident whilst using your mobility scooter.
And that's not all:
Policy highlights and cover
|No age limit|
|Any user cover|
|Loss or theft||Up to £3,000||Up to £7,000||Up to £10,000|
|Third party liability||Up to £1m||Up to £2m||Up to £2m|
|Contingent liability of||Up to £2m||Up to £2m||Up to £2m|
|Recovery costs to get you home||Up to £100 per occurrence
and £200 per policy year
|Up to £100 per occurrence
and £200 per policy year
|Fish mobility rescue|
|a) Fish mobility rescue breakdown cover||Not included||Not included|
|b) Holiday recovery costs||Not included||Not included||Up to £100 per day
£200 per policy year
|New for old replacement|
|Personal accident||Up to £3,000||Up to £3,000||Up to £5,000|
|Personal effects||Up to £200||Up to £200||Up to £300|
|Personal assault||Up to £250||Up to £250||Up to £300|
|Manual wheelchair cover||Up to £2,000||Up to £2,000||Up to £2,000|
|Worldwide cover (including baggage handler cover)
Excludes liability cover in North America & Canada
|Up to 21 days||Up to 21 days||Up to 90 days|
|Get your quote||Get your quote||Get your quote|
Download the documents below for more information on our mobility scooter insurance
Do you need a licence to ride a mobility scooter?
No. You do not need take a test or have a driving license to use a mobility scooter. The law states that only disabled people may use Class 2 or Class 3 scooters (unless the user is conducting a sales demonstration). You do not need to be registered disabled, but must have a physical disability, injury or medical condition which means you cannot, or have difficulty, walking.
Do I need insurance for my mobility scooter?
The Department for Transport states that: “it is strongly advised that people take out insurance to cover personal safety, other people's safety and the value of the vehicle.” It is not a legal requirement to take out insurance on a mobility scooter, but it can mean that you do not have to worry about your mobility scooter being damaged, stolen, or breaking down.
Do I need to register my mobility scooter with the DVLA?
Only Class 3 vehicles (with a maximum speed of 8mph) must be registered with the DVLA. The DVLA will then issue you with a “nil duty” tax disc (meaning you don’t have to pay vehicle tax on the scooter) which you are legally required to display on your mobility scooter. You can order the forms needed to register your Class 3 scooter from the DVLA.
How much is mobility scooter insurance?
Our prices start from just £39* per year. Mobility scooter insurance quotes depend on the type of mobility scooter you are insuring and the amount of coverage you require. It’s important to make sure you don’t automatically go for the cheapest mobility scooter insurance, but instead choose the correct amount of cover for your needs.
How do I make a claim if my mobility scooter breaks down?
If you are covered by our mobility scooter insurance and your scooter breaks down, you can simply give us a call. All of our contact numbers can be found here. We have designed our mobility scooter breakdown cover to make sure that both you, and your vehicle are taken care of. We provide our Standard policy holders with a ‘get-you-home allowance’ to make sure you can get home safely in the event of a breakdown. Our Extra policy holders are eligible for Fish Mobility Rescue. The cost of hiring alternative equipment is also covered under both policies.
Who else can I put on my insurance? Is there any age limit on the policy?
The insurance policy covers the mobility scooter, not you. You do not need to add people to your policy for the vehicle to be covered while they are using it, although their use of your vehicle must be with your permission. You must be over 18 to insure your mobility scooter with us, but there is no upper age limit.
Does my policy cover me if I'm on holiday abroad?
Yes. Our standard policy covers you worldwide for up to 21 days so that you can take your mobility scooter on holiday with you. Our Extra policy covers you worldwide for up to 90 days whilst also covering holiday recovery costs! If you are travelling on a plane, we would advise contacting the airline in advance to ask what types of scooter are permitted for travel. Our mobility scooter insurance policy covers also includes Baggage Handler Cover.
Does my mobility scooter have to be insured at my own home?
You can insure your mobility scooter either at your home, or at a UK holiday home.
Is my manual wheelchair covered by my mobility scooter insurance?
Yes, manual wheelchair cover is provided with both our Standard and Extra policies.
Where can I get independent advice on using a mobility scooter?
The Department for Transport has published a free booklet called 'mobility scooters and powered wheelchairs on the road - some guidance for users' which provides useful information. You can download the guide here.
*Lite Mobility Scooter Insurance is available to purchase online only.
**£20 discount applies to 1 year Mobility Scooter Extra Insurance online only, normally priced at £107. 100% of customers achieved this discounted price in 2016. Offer is available to purchase online and is applicable to new customers only. This offer is not to be used in conjunction with any other promotion or discounts. Offer ends 31/12/2018.
† Product available as optional add-on at an additional cost.
†† Breakdown Cover only available when purchasing Mobility Scooter Extra policy.
Get a little friendly help from our experienced team
0333 331 3770