Mobility scooter insurance – what you need to know to get the best deal possible
Mobility scooters can provide a great deal of freedom and independence for an increasing number of people in the UK who are disabled or unable to walk comfortably for long periods.
Although mobility scooters are seen by many who use them as essential to helping them maintain their quality of life, their use is not without some level of risk – especially in busy pedestrian streets.
Even the most careful mobility scooter drivers can find themselves the victim of an accident or suffer some kind of damage to their scooter, so a mobility scooter insurance policy is strongly recommended to ensure peace of mind for you and your family.
But before you jump in and snap up some scooter cover, it’s important to know exactly what you are looking for to make sure you get the best possible deal…
Do you need insurance for a mobility scooter?
As the law currently stands, owners of mobility scooters have no legal obligation to have insurance – so you are currently within your rights not to get insurance if you don’t want it. However, there are some very good reasons for considering insuring your scooter though:
- Insurance will protect you in case your scooter is damaged or stolen.
- If you cause an accident in your scooter, either to a pedestrian or property, then your insurance policy will cover the costs
As mobility scooters are extremely important to their owners and can be very expensive to buy, insurance means you can protect you financially and make sure you maintain your independence and quality of life if something happens to your scooter.
Different types of mobility scooter insurance
The standard for mobility scooter insurance policies is third party, fire and theft cover – which covers any damage caused by you to another vehicle, property or any injury you caused to another person. It also covers your scooter if it is stolen or damaged by fire.
This level of cover helps provide the peace of mind that you will not be out of pocket if you cause an accident, or if your scooter is stolen or damaged, but there are a lot more insurance options to further protect you and your mobility scooter…
Mobility scooter breakdown cover
If your scooter breaks down or fails to work following a crash, then some form of breakdown cover could come in handy. Many mobility scooter insurers offer this cover and promise up to one hour’s free labour at the roadside so a mechanic can try and fix your scooter there and then, if that’s not possible then they will take you and your scooter/powered wheelchair back to either your home or a suitable repairer.
Breakdown cover could therefore be an absolute lifesaver if you have a problem with your mobility scooter when you’re out and about.
Get you home cover
If your mobility scooter or powered/electric wheelchair is stolen or damaged more than one mile from home, then your insurer can pay you back up to £50 for the reasonable cost of taxi hire in order to get you to your destination or back home.
Mobility scooter hire cover
If there is a problem with your mobility scooter, or if it is lost/stolen, then your insurance cover can include the cost of a temporary replacement scooter while your insurance claim is being processed.
There’s nothing more annoying than losing your keys, especially if you rely on your mobility scooter to get out and about. Most insurance policies can include cover for reimbursing you the costs of getting replacement keys – usually up to a maximum value of around £100.
Personal accident cover
ETA’s Mobility Scooter Insurance policy will also pay out up to £20,000 if you are killed or seriously injured while using any mobility scooter or powered wheelchair.
Personal liability cover
ETA’s policy also covers you for up to £5 million against any damage or injury caused by your use of any mobility scooter or powered chair.
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