Wheelchair Insurance

Cover Includes

✓  Manual & Motorised Wheelchairs 

  Theft, Vandalism & Accidental Damage

✓  Third Party Liability & Legal Expenses

✓  No Hidden Fees & No Excess 

From just £24 per year

Get a Quote

Manual and Electric wheelchair insurance

Insure your wheelchair and accessories from just £24 a year  

With around 1.2 million Wheelchair users in the UK, whether that be due to injury or disability, we understand that the large majority will heavily depend on them in their day to day. Our Wheelchair Insurance covers you and your wheelchair against common faults and uncontrollable scenarios, protecting your ability and human right to stay mobile. 

Our policies protect a wide range of models; from electric powered wheelchairs to attendant-propelled & self-propelled manual wheelchairs, along with their accessories.

We provide cover for third party liability, loss, theft & damage, both accidental and vandalism. We also include international travel cover for your wheelchair (excluding North America & Canada), with additional security against breakdown & punctures.

Our manual wheelchair and powered wheelchair insurance policies are designed with your freedom in mind, providing you with the additional security 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

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?

Have a look at some key aspects of our cover:

Loss or damage to your wheelchair

  • Accidental damage, Malicious damage and vandalism up to £2,000
  • Puncture repair
  • Fire, storm and flood
  • Theft 
  • Hire costs for alternative wheelchair following insured event
  • International travel cover up to 21 days (Excluding USA and Canada)


  • 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 £20 per claim
Extras included with your policy

  • We cover your wheelchair when it’s locked in your car
  • Cover whilst your wheelchair is in the possession or control of airport authorities, baggage handlers or whilst on an aircraft

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.

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 insurance is highly recommended. Our Wheelchair Insurance covers your electric wheelchair up to the value of £2000, alternatively our Mobility Scooter Insurance covers all powered wheelchairs above the value of £2000 including additional cover for manual wheelchairs.

Should I get Wheelchair Insurance?

Wheelchair Insurance is important for people who depend on their wheelchair. 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 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 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

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.

Does Wheelchair Insurance cover multiple Wheelchairs?

No. As we insure the wheelchair itself, our policy will only apply to that one insured item.

Is my Wheelchair covered whilst I am on holiday?

Not always. It is important to check the wording of any insurance policy to decide if the cover is right for you.

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

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

No, this policy has no excess.

Yes, as long as you have some documentation to show that this is from the NHS.

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.

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.

Yes, if your wheelchair needs repairing a temporary replacement will be provided to the policyholder.

Unfortunately we would not cover your wheelchair during sport activities, therefore wouldn’t cover a sports wheelchair.

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 before 17st October 2017
If you purchased or renewed your Wheelchair insurance on or after 17th October 2017

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