Have you just purchased a mobility scooter and are now wondering if you need insurance?
While it’s not a legal requirement, insurance can offer valuable protection against theft, accidental damage, and public liability. It’s a simple way to protect both your scooter and your independence.
In this guide, we’ll explain why having insurance is a smart choice and what it can protect you against-helping you make a well informed decision.
Why Might You Need Mobility Scooter Insurance?
One of the most obvious reasons to consider mobility scooter insurance is to cover the cost of accidental damage to your scooter. For many, a mobility scooter is a vital tool for maintaining independence, so having protection against unexpected expenses offers valuable peace of mind.
However, there are many other reasons why insuring your mobility scooter is a sensible choice.
You Could Break Down and Need Recovery Assistance
Encountering a breakdown while out on the roads can be extremely stressful, not to mention frustrating when you’re stranded with no way of getting home! For this reason, the importance of breakdown recovery cannot be overstated.
Our breakdown recovery add on includes 24/7 recovery assistance. If your mobility scooter breaks down within a 20-mile radius of your home, car, or UK holiday accommodation, help is just a phone call away. We’ll make sure both you and your scooter are safely transported, so you’re never left feeling helpless or alone.
You Could Be Involved in an Accident
Our Safer Mobility Campaign has highlighted the 20% year-on-year increase in mobility scooter casualties in the last decade. This is something we are working with local councils and road safety teams to try and reduce.
If you would like a free safety pack with helpful tips and advice as well as a reflective sticker bundle, you can sign up on the Safer Mobility Campaign page.
Having insurance in place gives you the peace of mind that you’re covered from legal claims made against you by a third party as a result of an accident.
Mobility Insurance
Cover available for:
- Mobility Scooter
- Powered Wheelchairs
- Manual Wheelchairs
- Cabin Cars
You Could Damage Someone’s Property
While using your scooter, there’s always a chance you could accidentally damage someone’s property-such as reversing into a garden wall or outdoor furniture. In these situations, you could be held responsible for the repair costs. With our insurance, you’re covered for accidental damage, helping to ease the stress and financial burden if something goes wrong.
Your Scooter Could Be Stolen
For many mobility scooter users, having your mobility scooter stolen equates to having your independence taken away from you – and the cost of replacing your scooter from your own money may be impossible.
Our mobility scooter insurance covers theft, as well as loss or damage to your scooter due to malicious vandalism, and more. Having a policy for your scooter gives you the peace of mind that if the worst were to happen and you discovered your scooter had been stolen, you’re covered.
Is Mobility Scooter Insurance A Legal Requirement?
No, in the UK, any mobility scooter user can operate their scooter without having insurance in place. That said, if you break down, have an accident or your scooter is stolen and don’t have insurance, you may have to pay out a substantial amount of money to get home or to repair the damage, even if it is through no fault of your own.
Having the correct cover in place will help you to enjoy enhanced mobility with added peace of mind.
We work hard to make sure our insurance policies are competitive and provide the best cover possible for our customers – with zero hidden fees, no excess, and a price match guarantee if you find the same level of cover for a cheaper price.
All our mobility scooter insurance policies are underwritten by The Salvation Army General Insurance Corporation Ltd (Sagic). Sagic are owned by The Salvation Army and supports 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.
