Mobility Scooter Insurance

Comprehensive Insurance with No Renewal Price Hikes
  • Punctures & Recovery Costs
  • Third Party Liability & Legal Expenses
  • Theft & Accidental Damage
  • Underwritten by The Salvation Army General Insurance Corporation
  • No Excess
  • From just £4.40/month or £44/year

Mobility Scooter Insurance

Mobility scooters are a great help for people who have difficulty maintaining their independence due to mobility limitations.’s mobility scooter insurance helps ensure their independence with comprehensive cover for accidental damage, theft, third party liability, recovery, and personal accident. Three levels of cover are available for all types of mobility scooters. So you can insure lightweight class 2 scooters and heavy duty, all-terrain class 3 vehicles for 1, 2 or 3 years.

SAGIC logoPolicies start at just £4.40/month or save by paying annually from £44.00 per year.  You can get a quote quickly and easily online and this policy is underwritten by SAGIC, The Salvation Army General Insurance Corporation, who are wholly owned by The Salvation Army. SAGIC is the only underwriter to give back all its profits to help those in need.

Buying this policy helps The Salvation Army support people in need, and gives you an ethical, trustworthy underwriter to look after you in the event of a claim.

Now available with 24/7 365 days a year breakdown and recovery service.
All our Mobility Scooter Insurance policies include cover for breakdown recovery costs as standard. This means the insured can claim at later date for the costs of a taxi to collect you and your scooter in the event of a breakdown, but now you can also upgrade to a full recovery service.

Key Benefits

  • Puncture Repair at no extra cost
  • Cover New and Second-hand scooters
  • Costs for transport home, within 10-mile radius of home or repair centre
  • Recovery covers holiday accommodation within a 10-mile radius
  • Recovery assistance available 24/7
  • Key cover upgrade available
  • Personal accident
  • Accidental damage
  • Malicious damage and Vandalism
  • Fire, storm and flood
  • Theft
  • Third party liability up to £2M
  • Personal effects
  • One policy can cover multiple scooter riders – not just yourself
  • Hire costs for alternative equipment
  • International travel cover
  • Legal expenses up to £100,000


Levels of cover

You can choose between three levels of cover:

  1. Bronze: Insure your mobility scooter for just £4.40/month or £44.00/a year and get cover for loss, theft and damage up to £3000, puncture care, third party liability, recovery costs, legal expenses and more.
  2. Silver: Insure you mobility scooter for just £5.40/month or £54.00/year and get cover for, loss, theft and damage up to £7000, cost of hire, new for old replacement, personal accident and hospital benefits, legal expenses and more.
  3. Gold: Insure your mobility scooter for £6.50/month or £65.00/year and get cover for loss, theft and damage up to £10,000, travel cover, puncture care, personal effects, legal expenses and more.

Our 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 we believe that our Mobility Scooter cover is the cheapest and best value cover on the market.

So, if you find the same cover cheaper elsewhere, we promise we’ll match it – 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 by phone, call 01268 200020 or email,

Price promise terms and conditions

  1. We’ll match our competitor’s website UK price.
  2. The competitor’s product must provide the same cover levels as ours, be offered on the same terms, and be purchasable online.
  3. We will price match up to 7 days after your purchase.
  4. We must be able to verify the competitor’s price and cover levels.
  5. We’ll match the price of a product; not other charges or other services, and a discount must not have been provided.
  6. Cannot be used with any other offer.

What types of mobility scooters are covered?

You can get cover for a range of mobility scooters, including:

Class 2 Scooters

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. 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. Maximum speed limit is 4mph.

3 Wheeled or 2 seated Mobility Scooters

3 Wheeled or 2 seated mobility scooters are frequently not covered by other insurers.  Rest assured though, they are covered, however, if you choose one of our Mobility Scooter insurance policies.  Examples include the Drive Medical Sport Rider 3-wheeler or the Shoprider 889DXD Double seater.

Class 3 Scooters

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. Maximum speed limit for class 3 mobility scooters is 8mph.

Manual wheelchairs also covered

According to UK law, you don’t need insurance for mobility scooters, but from a protection point-of-view comprehensive cover is non-negotiable. has you covered whether you accidentally knock someone down, scratch someone’s car or get a puncture. Mobility scooter covers also includes breakdown and roadside assistance.

If your scooter is damaged beyond repair or the cost of repairs is exceptionally high, we will replace it with a similar make and model. You can get mobility scooter insurance for a variety of UK manufacturers, including Pride, Kymco, Shoprider, Pro Rider, Drive Medical, Days Healthcare and Electric Mobility scooters.

Mobility Scooter Insurance Law

You are not required by law to have a licence to drive a mobility scooter or powered wheelchair, but it may have to be registered. According to law, class 2 invalid carriages are barred from the road and have a max speed of 4mph. Class 3 invalid carriages can be used on the road and have a max speed of 4mph off road, and 8mph on road. You don’t have to register class 2 invalid carriages.

Scooter insurance quotes available for 1, 2 or 3 year policies:

Please note there is a 7 day Moratorium with this policy before you are able to make a claim.