Mobility Scooter
Insurance

 
 
 

Cover Includes

✓  Theft, Vandalism & Accidental Damage

  Third Party Liability & Legal Expenses

✓  Multiple Riders & No Age Limit

✓  No Hidden Fees & No Excess 


From just £3.85/month

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Mobility Scooter Insurance

Mobility scooters are an ideal method of transport for people with mobility limitations, providing much-needed independence to the people that rely on them. Our Mobility Scooter Insurance covers you against the common problems that come with owning a Mobility Scooter, protecting you from unexpected costs, safeguarding your freedom and preserving your independence!

Our mobility scooter policy provides comprehensive cover for; accidental damage, theft, third party liability, personal accidents as well as mobility scooter breakdown and recovery.

We cover all types 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 manual and powered wheelchair users.

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.

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

SAGIC logo

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
  • Theft
  • 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

Liability

  • Third party liability cover up to £2,000,000
  • Accidental damage to property up to £2,000,000

Recovery

  • 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.

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.

In the event of an incident likely to result in a claim please call SAGIC on 0300 030 1865 , you can also email claims@sagic.co.uk.

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. 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

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. 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.

Do you need insurance for a Mobility Scooter?

No, it is not a legal requirement to have insurance for mobility scooters at present.

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.”

DisabledMotoring.org advise “Although insurance for mobility scooters or powerchairs is not a legal requirement, 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 policy holder.

Comparing Mobility Scooter Insurance

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.com 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 by phone, call 01268 200020 or email, customerservices@surewise.com

Price promise terms and conditions

  1. We’ll match our competitor’s website UK price
  2. The competitor’s product must provide the same level of cover 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

Price Match Promise Logo

Frequently Asked Questions

You cannot make a claim within the first 7 days from the policy start date.

No, this policy has no excess.

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.”

DisabledMotoring.org advise “Although insurance for mobility scooters or powerchairs is not a legal requirement, it is highly recommended. “

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.

Our underwriter SAGIC has its own in-house claims. To make a claim you must contact them on 0300 030 1865 with your policy number at hand.

Please refer to the section ‘How to make a claim’ of the policy wording for more information.

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.

Important documents

If you purchased or renewed your Wheelchair insurance on or after 2nd August 2018
 

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