Mobility Scooter Insurance
Our mobility scooter insurance policies provide comprehensive insurance protection for accidental damage, theft or loss, third party liability, personal accidents as well as mobility scooter breakdown and recovery, plus much more. We cover both new and second-hand scooters with 24/7 recovery assistance and puncture care available. You can choose to pay monthly or annually.
There are no excess payments on any of our mobility scooter insurance policies and no hidden fees. There’s no age limit on the rider and we cover the scooter not the rider so multiple drivers are covered.
We also cover a wide range of mobility scooters, from portable and class 2 mobility scooters to 3 wheeled, tandem and class 3 mobility scooters. Also included in these policies are elements of our Wheelchair Insurance, providing additional cover for your manual wheelchair, without additional cost.
We give customers the option to pay monthly for mobility scooter insurance starting at £3.85 per month or make additional savings by paying an annual price of £38.50.
Our Mobility Scooter Insurance and breakdown cover protects you against the common problems that come with owning a Mobility Scooter, protecting you from unexpected costs, safeguarding your freedom and preserving your independence!
So, whether you own a 2nd hand mobility scooter or a brand new one, you can live life confidently knowing that our policies have you and your scooter covered!
Why choose us?
These are some of the reasons our customers choose us;
- You can spread the cost by paying monthly or save by paying annually
- We cover both new and second-hand scooters
- One policy covers multiple scooter riders – not just yourself
- 24/7 recovery assistance available
- Puncture care available
- No excess and no hidden fees
Our policies are underwritten by SAGIC, The Salvation Army General Insurance Corporation, who are wholly owned by The Salvation Army. This means when you buy this policy, you are helping The Salvation Army support people in need and gives you an ethical, trustworthy underwriter to look after you in the event of a claim.
What is covered?
Loss or damage to your mobility scooter
- Malicious damage and vandalism
- Fire, storm and flood
- Personal Effects up to £250 as a result of an insured event
- Hire costs for alternative mobility scooter following an insured event.
- 21 days International Travel (excl. the US and Canada) insurance for mobility scooters
- Third-party liability cover up to £2,000,000
- Accidental damage to property up to £2,000,000
- Recovery costs after an insured event up to £150 per claim
- Recovery covers holiday accommodation within a 10-mile radius
Personal Accident up to £3,000
- Hospital benefit up to £10 per day
Legal Expenses up to £100,000
- You are covered for advisers’ costs against those whose negligence has caused your injury or death
Extras included with your policy
- We cover your mobility scooter when it’s locked in your car
- We cover it when it’s left for a maximum of an hour outside a shop
- You can cover your manual wheelchair under this policy too.
Here’s a short introduction to our policy
Please see our two-minute video introduction to our mobility scooter insurance policies below…
Important bits to know
It is important to note there is a 7-day waiting period (moratorium), after or from your start date, before you are able to make a claim on your mobility scooter insurance policy.
If you have chosen 24/7 specialist mobility scooter breakdown and recovery cover and are in need of recovery, or in the event of an incident likely to result in a claim, please contact us using our help centre.
What’s not covered
· Mechanical breakdown, failure or manufacturing defects
· Wear and tear
· Vehicles which are capable of exceeding 8mph
· Mobility scooters which are stored outside overnight even if locked and secured
Tailor your policy to your needs
We understand that every customer has different needs and we take pride in ensuring that our customers are catered for with the best cover to suit them. Our cover levels are based around the value of your scooter, protecting you from paying extra for cover that you don’t need!
In order to prevent any loss, we allow you to set the exact value of your scooter up to a figure of £10,000
With further additions such as;
- Puncture Care to cover the cost of tyre repair or replacement caused by accidental or malicious damage, with reimbursement for UK callout costs also included.
- Breakdown Cover and Recovery to protect your scooter against the unexpected, 24/7 365 days a year.
- Key Cover to cover the cost of replacement keys or locksmith assistance for your scooter, home and car key.
What types of Mobility Scooters are covered?
Class 2 Mobility Scooters
Otherwise known as Class 2 Invalid Carriages – You can use class 2 mobility scooters on pavements and in shopping areas. They can be three-wheel, four-wheel and even five wheel models. If you want a small, light and affordable mobility scooter, then consider class 2 models, such as Pride Go-Go Elite Traveller Plus and Pro Rider Freedom Mobility Scooter. The maximum speed limit is 4mph.
Folding Mobility Scooters
Folding mobility scooters (also known as portable scooters or travel scooters) are small, lightweight and are easy to fold up or disassemble for transport and storage. Examples include Pro Rider Elite Portable Mobility Scooter, Drive Scout 3 and Shoprider Whisper. The maximum speed limit is 4mph.
3 Wheeled or 2 Seated Mobility Scooters
Otherwise known as Tandem Scooters – 3 Wheeled or 2 seated mobility scooters are not always covered by other insurers. Rest assured though, they are covered under one of our Mobility Scooter insurance policies. Examples include the Drive Medical Sport Rider 3-wheeler or the Shoprider 889DXD Double seater.
Class 3 Mobility Scooters
Otherwise known as Class 3 Invalid Carriages – You can use class 3 mobility scooters on the road, on pavements and in shopping areas. With the right tyres and rear-wheel drive (RWD), you can even go off-road. Class 3 mobility scooters are fairly large, with suitably large batteries and many manufacturers aim to make them super-comfortable and luxurious. They are relatively far-ranging and come with extra safety features, such as front and rear lights, indicators, horn, brakes and rear-view mirrors. These features are important if you drive your scooter on roads. Some of the best class 3 mobility scooters include Drive Royale 4, Pride Colt Executive and Shoprider Cordoba. The maximum speed limit for class 3 mobility scooters is 8mph.
Mobility Scooter Insurance Law
Do you need a licence for a Mobility Scooter?
No, you do not need a licence to use a mobility scooter in the UK, nor do you need to take a driving test in order to drive one. However, you may need to register your mobility scooter if it is classed as a class 3 invalid carriage, meaning it can be driven on the road. What’s more, you are only allowed to drive a mobility scooter if you have difficulty walking due to an injury, physical disability or medical condition.
Do you need insurance for a Mobility Scooter?
The Department for Transport states: “it is strongly advised that people take out insurance to cover personal safety, other people’s safety and the value of the vehicle.”
DisabledMotoring.org advise “Although insurance for mobility scooters or powerchairs is not a legal requirement, it is highly recommended. “
So, while it is not a legal requirement to have insurance for mobility scooters at present, it is highly recommended.
Do you need to pay for tax on a Mobility Scooter?
No, you do not need to pay for tax on a mobility scooter, however, you may need to register it with the DVLA.
You do not need to register a Class 2 Invalid Carriage with the DVLA.
However, it is a legal requirement to register Class 3 Invalid Carriages with the DVLA as they exceed 4mph and are designed for use on the road.
Who can use a Mobility Scooter?
You can use a mobility scooter if;
- You have mobility issues as a result of an injury, physical disability or medical condition
- You are demonstrating the vehicle before sale
- You are training a someone to use a mobility scooter
- You are transporting the vehicle for repair or maintenance
If someone else uses my Mobility Scooter are they covered?
With our policy, yes.
Our flexibly designed insurance for Mobility Scooters gives full coverage to multiple riders if given express permission by the owner of the scooter and policyholder.
Comparing Mobility Scooter Insurance and Breakdown Cover
When you’re looking for insurance for mobility scooters, it’s advisable to compare mobility scooter insurance providers to make sure you have the right cover and the correct cover for your needs.
We believe that we have the most competitive and best cover available, but we also have a price match guarantee as detailed below in case you find otherwise and would still like to insure with us and use SAGIC (The Salvation Army General Insurance Corporation) as your underwriter. SAGIC’s profits are returned to The Salvation Army to help their charitable works supporting those in need.
Because Disability Scooter Insurance is a specialist insurance product for a smaller market, it is not usually available on insurance comparison websites such as Compare the Market and Money Supermarket. Similarly, Age UK, Saga, Direct Line, The AA and other large insurers and charities do not provide specialist insurance cover for mobility scooters. Some may include cover within their home insurance policies but you should be careful to make sure extras such as puncture care, breakdown and travel cover are included if you need them as most do not include this.
Fish Mobility Scooter Insurance, along with Blue Badge, Lockton, ETA, Chartwell and Premier Care (or Mark Bates) do provide specialist cover. These brands may have mobility scooter insurance UK comparison tables or advertise that they have the cheapest product but it’s very important to check that these tables have the latest prices and correct cover levels as many have not been updated. Locktons Basic Scooter Insurance is £32 but only provides Liability insurance and no other cover, for example. It’s also important to check if your policies are likely to increase at renewal.
We believe that we provide the best cover at the lowest prices with the best underwriter but please let us know if you think otherwise and we’ll price match for you.
Your Price Match Guarantee
We offer much more than just great prices, but we don’t want price to be a reason you shop elsewhere.
At Surewise we believe that our Mobility Scooter cover is the best value cover on the market.
We promise that we will match the cheapest mobility scooter insurance, with the same level of cover, that you can find – even up to 7 days after your purchase.
All you need to do is make a note of the supplier, its price and the cover you want us to match. We will verify and match the price there and then for you.
To benefit from this please contact us through our help centre.
Price promise terms and conditions
- We’ll match our competitor’s website UK price
- The competitor’s product must provide the same level of cover as ours, be offered on the same terms, and be purchasable online.
- We will price match up to 7 days after your purchase
- We must be able to verify the competitor’s price and cover levels
- We’ll match the price of a product; not other charges or other services, and a discount must not have been provided
- Cannot be used with any other offer
Frequently Asked Questions
How long before I can make a claim?
You cannot make a claim within the first 7 days from the policy start date.
Do I need to pay any excess when I claim?
No, this policy has no excess.
Is insurance needed for my Mobility Scooter?
At present, it is not a legal requirement to have insurance for your mobility scooter.
However, the Department for Transport states: “it is strongly advised that people take out insurance to cover personal safety, other people’s safety and the value of the vehicle.”
Disabled Motoring.org advise “Although insurance for mobility scooters or powerchairs is not a legal requirement, it is highly recommended. “
My scooter is second-hand and I do not have the original receipt, what else can I use as proof of purchase?
We can accept the original manual that came with the scooter, a photo of the scooter or an invoice/receipt from the person or store you purchased it from; any documentation must state the make and model.
Who do I call if I need to make a claim?
Our underwriter SAGIC has its own in-house claims. To make a claim please find all claim numbers in our help centre. with your policy number at hand.
Please refer to the section ‘How to make a claim’ of the policy wording for more information.
Do I get a renewal reminder for my policy?
We will send you a reminder 30 days prior to your renewal date, we will then give a courtesy call a week before to make sure you are aware of when the policy expires.