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Why Do You Need Mobility Scooter Insurance?

Mobility scooter insurance isn’t a legal requirement in the UK, so as a mobility scooter user you may be wondering…is insurance really worth it?

In short, yes – and we’re not just saying that because we provide the insurance!

There are so many benefits to owning a mobility scooter. It can be literally life changing for people with a disability or limited mobility, giving you your independence and ease of movement back.

With lockdown starting to ease, many of you are going to be using your scooter again much more frequently. Hopefully, you managed to store your mobility scooter correctly to keep it in great condition while you weren’t using it.

As you get out and about on the roads again, we wanted to highlight a few key reasons why you should have mobility scooter insurance to protect you, your scooter, and the people you are sharing the roads and streets with when out and about.

Get a mobility scooter insurance quote now.

Why might you need mobility scooter insurance?

You could breakdown 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!

Our insurance includes 24/7 recovery assistance, as well as puncture care and key cover.

You could accidentally run into someone

Mobility scooters may not move anywhere near as fast as cars, but accidents can still happen.

Whether your scooter is suitable to drive on the roads or you can only drive on the pavements, an accident with a pedestrian is always a risk – and 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.

You could damage someone’s property

You could be held legally responsible for damaging someone’s property while driving your mobility scooter – just as a driver would be held responsible for damaging property with their car.

Having third party liability cover with your mobility scooter insurance policy protects you from claims made against you as a result of this.

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.

You could be injured while driving your mobility scooter

Accidents can happen on your scooter, and our Personal Accident cover will cover you for up to £3,000 should you have an accident while out and about.


There are many more reasons why taking out a mobility scooter insurance policy is an extremely sensible decision for all scooter users.

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.

We use SAGIC as our underwriter for our Mobility Scooter Insurance. SAGIC are The Salvation Army’s own General Insurance Corporation, and as such, ethical insurance is a priority for them and us. SAGIC’s profits are returned to The Salvation Army to help their charitable works supporting those in need.

Find out more about our mobility scooter insurance and get a quote today.