Mobility Scooter Insurance
Our Mobility Scooter Insurance policies provide 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 multiple riders permitted, offering 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 £3.80 per month or make additional savings by paying an annual price of £38.
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.
Do I Need Mobility Scooter Insurance?
While Mobility Scooter Insurance may not be a legal requirement in the UK, it is strongly recommended by the Department for Transport. Having insurance ensures that you can use your mobility scooter every day, knowing that you have cover for your personal safety, that of others, and for your scooter itself.
The Department for Transport states: “it is strongly advised that people take out mobility scooter 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. “
What’s more, mobility scooter insurance offers the user protection from financial liability in the event of an accident as well as associated costs should your mobility scooter breakdown, be damaged or be stolen.
Why Choose Surewise?
1
Our Prices
Along with looking after your claims, being able to offer the most comprehensive cover at the lowest price is our top priority.
2
Our Product
We have a very close relationship with our underwriters sagic, which allows us to create specialist insurance products to meet your needs and to provide an ethical claims-handling process.
3
Transparency
We don’t believe our customers should be charged for amending or cancelling their policies. We offer pro-rata refunds, so you can cancel your policy within a minimum of 30 days’ notice and receive a refund.
4
Easy Payment Options
You have the option to pay with credit or debit cards, including American Express, by Google Pay or Apple Pay, and either online or by telephone. You can decide whether to pay for your policy annually or with monthly payments.
5
At Your Service
We have a dedicated team of customer service agents based here at our headquarters in Essex, so you can talk to an expert about your policy before or after taking out your policy.
How Much Does Our Mobility Scooter Insurance Cost?
From £3.80
a month
- Third-Party Liability up to £2M
- Personal Accident up to £3000
- Personal Effects up to £250
- Mobility Scooter hire whilst your scooter is being repaired up to £10 per day.
- International Cover 90 days per year (excluding North America and Canada).
- Legal Expenses up to £100,000
- Recovery Costs after an insured event
- Plus More (See policy wording for full details)
From £6.40
a month
- Third-Party Liability up to £2M
- Personal Accident up to £3000
- Personal Effects up to £250
- Mobility Scooter hire whilst your scooter is being repaired up to £10 per day.
- International Cover 90 days per year (excluding North America and Canada).
- Legal Expenses up to £100,000
- 24/7 Recovery service available within a 20 mile radius of your home or holiday accommodation!
- Plus More (See policy wording for full details)
From £7.80
a month
- Third-Party Liability up to £2M
- Personal Accident up to £3000
- Personal Effects up to £250
- Mobility Scooter hire whilst your scooter is being repaired up to £10 per day.
- International Cover 90 days per year (excluding North America and Canada).
- Legal Expenses up to £100,000
- 24/7 Recovery service available within a 20 mile radius of your home or holiday accommodation
- Puncture Care Cover
- Key Cover
- Plus More (See policy wording for full details)
Please note these prices are based on a scooter up the value of £500. We offer policies on scooters up to the value of £15,000.
Here’s a short introduction to our policy
What Is Covered By Our Mobility Scooter Insurance?
- Loss or Damage to Your Mobility Scooter
We will cover your scooter in the event of an accident, malicious damage or vandalism/theft.
We also include damage from fire, storm and floods. - Recovery Costs or Full 24/7 Recovery Service
We will either cover the cost after an insured event up to £150 per claim or, if you include our 24/7 Recovery Service, we will recover you within a 20-mile radius of your home, holiday home, or vehicle. - Extras With Your Policy
We can also cover your mobility scooter when it is locked in your car, or left outside a shop (1 hour max).
For no extra cost, you can add your manual wheelchair to this policy too.
- Keeping You Mobile
While waiting for your mobility scooter to be repaired, we cover the hire costs of an alternative scooter to keep you mobile. - Personal Accident and Legal Expenses
If something should happen and you find yourself in hospital, you can claim up to £10 a day.
You are covered for advisers’ costs against those whose negligence has caused you injury up to £100,000.
What Is Not Covered?
- Wear and tear
- Batteries
- Vehicles which are capable of exceeding 8mph (unless a limiter has been fitted)
- Mobility scooters that are stored uncovered outside overnight even if locked and secured
It is important to note there is a 7-day waiting period (moratorium) from your start date before you are able to make a claim on your mobility scooter insurance policy.
Can I customise my mobility scooter insurance policy?
We understand that not every customer will have the same needs, that’s why we take pride in ensuring that our customers are catered for with the best cover to suit them. We cover an extensive range of scooters, and our cover levels are based on the value of your scooter, protecting you from paying extra for cover that you don’t need.
In order to make sure your policy is the best price, we allow you to set the exact value of your scooter up to a figure of £15,000.
Your policy can then have 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 call-out costs also included.
Breakdown Cover and Recovery to protect you against unexpected breakdowns and provide a recovery vehicle, 24/7 365 days a year. Please note that all of our policies provide cover for breakdown and recovery costs after an insured event, however, without our optional full Breakdown and Recovery extra, you are expected to arrange this yourself.
Key Cover to cover the cost of replacement keys or locksmith assistance for your scooter, home and car key.
Extended Mobility Scooter Warranty
If you know the year your Mobility Scooter was made, your scooter is under 4 years old and no longer covered under the manufacturer warranty, we can provide you with Extended Warranty!
This product covers the unexpected costs if your scooter has an electrical or mechanical failure. By extending your warranty, you can have peace of mind knowing that costly repairs are no longer something you need to worry about!
Please note: This does not include wear and tear or battery-related issues.
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, 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.
It is important to note that these brands may also charge for cancellations and amendments. However, we don’t believe in charging for these extras and we are happy to make any amendments or cancellations free of charge.
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 insurance 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
What Types Of Mobility Scooters Do You Cover?
- Class 2 Mobility Scooters
Otherwise known as Class 2 Invalid Carriages – You can use class 2 mobility scooters on the pavement and in shopping areas. They can be three-wheel, four-wheel and even five-wheel models. - 3 Wheeled or 2 Seated Mobility Scooters
Also referred to 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.
- 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. - Class 3 Mobility Scooters
Also known as Class 3 Invalid Carriages, this type of mobility scooter can be used on the road, on pavements, and in shopping areas. With the right tyres and rear-wheel drive (RWD), you can even go off-road. The maximum speed limit for class 3 mobility scooters is 8mph.
Our Underwriters
Our mobility scooter insurance is underwritten by The Salvation Army General Insurance Corporation Ltd (sagic). Sagic are owned by The Salvation Army and support the diverse work of the renowned global charity. This means when you buy a policy, you will help fund vital community projects across the UK.