Powered Wheelchair Insurance
Comprehensive cover for your electric powered wheelchair
Powered wheelchairs allow people with complex mobility issues to preserve their freedom and quality of life. Our policies provide protection for your powered wheelchair because we understand how important it is for you to maintain your independence.
With cover for a wide range of electric wheelchair models, customised add-on’s & accessories, our powered wheelchair insurance is the ideal policy to protect you from unexpected costs and safeguard your right to stay mobile.
Electric wheelchairs under the value of £2000 can be covered under our Wheelchair Insurance policy, anything above would be covered by our Mobility Scooter Insurance policy. This policy covers electric powered wheelchairs up to the value of £10,000 with third party liability, loss, theft & damage as some of the key elements included in the cover.
We also incorporate international travel cover for your wheelchair (excluding North America & Canada), with optional extras for punctures & breakdown should you find yourself stuck whilst on the go.
Our powered wheelchair cover is designed with your freedom in mind, allowing you to live life confidently!
Why choose us?
These are some of the reasons our customers choose us;
- Quick and Efficient Quote Process
- UK Based Call Centre
- Worldwide Cover excluding North America & Canada
- No Credit Card Charges or Admin Fees
- No Renewal Price Hikes
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?
Have a look at some key aspects of our cover:
Loss or damage to your powered wheelchair
- Malicious damage and vandalism
- Fire, storm and flood
- Personal Effects up to £250 as a result of an insured event
- Hire costs for alternative electric wheelchairs following an insured event.
- 21 days International Travel (excl. the US and Canada) insurance for electric power wheelchairs
- Third-party liability cover up to £2,000,000
- Accidental damage to property up to £2,000,000
- 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 powered wheelchair 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.
Do you need insurance for an electric wheelchair?
No, it is not a legal requirement to insure an electric wheelchair.
However, electric wheelchairs can be expensive and are typically relied upon heavily by their users, so taking out insurance is recommended.
Our Wheelchair Insurance covers your electric wheelchair up to the value of £2000, alternatively, our Mobility Scooter Insurance policy covers all powered wheelchairs above the value of £2000 including additional cover for manual wheelchairs.
Should I get powered wheelchair insurance?
Powered wheelchair insurance is most important for people who depend heavily on their wheelchair in their day to day lives.
Our policies help to secure your freedom, giving you peace of mind that you will always have the option to stay mobile following an insured event.
What does powered wheelchair insurance Cover?
Wheelchair insurance protects the policyholder from a number of unforeseen events that could impact their lives or the lives of others.
We understand that the circumstances of our customers are widely varied, as such our wheelchair insurance was designed with our customers in mind. So whether you hire the wheelchair or own it, it gets damaged by accident or intentionally, or even if you get stuck with a puncture whilst out and about, you can rest assured that our policy has you covered.
What do I need to insure my powered wheelchair?
You will need some form of proof of purchase or ownership.
The documents that we accept as valid proof of purchase are;
- The original manual/documentation that came with the Wheelchair
- A photo of the wheelchair OR
- An invoice from the person/store that you purchased the Wheelchair from
Does this policy cover multiple wheelchairs?
No. As we insure the wheelchair itself, our policy will only apply to that one insured item.
If someone else uses my wheelchair are they covered?
Yes, we are able to cover multiple wheelchair users as long as they have express permission from the wheelchair owner.
Is my electric wheelchair covered whilst I am on holiday?
This is dependant on the insurance provider which is why it is important to check the wording of any insurance policy to decide if the cover is right for you.
Our bronze policy does not cover your electric wheelchair while you are abroad, however, the silver & gold tiers of our wheelchair insurance covers your wheelchair when you are abroad for up to 21 days, excluding North America and Canada.
Some frequently asked questions
How long before I can make a claim?
You cannot make a claim within the first 7 days from the policy start date.
Do I need to pay any excess when I claim?
No, this policy has no excess.
I got my wheelchair through the NHS, can this be covered?
Yes, as long as you have some documentation to show that this is from the NHS.
What am I covered for if I travel abroad?
On our Silver and Gold levels of cover, you will be covered up to 21 days during your period of insurance when travelling outside of the UK, excluding North America and Canada. This policy will cover you in respect of damage to your manual wheelchair whilst in the possession or control of airport authorities, baggage handlers or whilst on an aircraft.
Who do I call if I need to make a claim?
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.
Do you provide me with a temporary wheelchair whilst mine is being repaired?
Yes, if your wheelchair needs repairing a temporary replacement will be provided to the policyholder.
Do you cover wheelchairs used for sport?
Unfortunately, we would not cover your wheelchair during sports activities, therefore wouldn’t cover a sports wheelchair.
Do I get a renewal reminder for my policy?
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.