Mobility Scooter & Power Wheelchair Insurance
Mobility Scooters offer vital independence to a lot of people with mobility impairments so it’s essential to have them insured properly. Our quick guide tells you all the facts you need to know about insuring your mobility scooter or Power Wheelchair.
For those who rely on them, mobility scooters and electric wheelchairs are more than just modes of transport, and even more important than a bike or car.
If you have trouble walking or getting around, they’re a vital part of giving freedom, independence and you being able to live a normal life.
They’re can also be expensive - so if you have a mobility scooter or are currently searching for the right one, it’s important to have the correct mobility scooter insurance.
Types of Mobility Scooters & Power Wheelchairs
All Mobility scooters – or invalid carriages – are generally separated into two categories: Class 2 and Class 3.
Class 2 mobility scooters are for use on the pavement only – except where there is no pavement, necessitating the user to drive on the road for a short distance. They have a maximum speed of 4mph.
Class 2 scooters do not need to register with the DVLA and you do not need a driving licence to use one.
Class 3 mobility scooters can be driven on the road but have a maximum speed of 8mph and a device to limit them to 4mph when using on the pavement.
In order to use a Class 3 mobility scooter you must be over 14 years of age. All Class 3 mobility scooters need to register with the DVLA. However you do not need a driving licence to use one.
Please click the link to Go to Gov.Uk to see the full list of rules and requirements for using mobility scooters and what differentiates a Class 2 mobility scooter from a Class 3 one.
Mobility Scooter Insurance
At moment it is not a legal requirement to have third party insurance for mobility scooters, as it would be for other motor vehicles that are used on the road.
However, obtaining insurance would protect you in respect of third party liability and also in the event the mobility scooter is stolen or damaged.
It could be very expensive to repair or replace and could prove difficult for you curtail to get out and about while you’re without your mobility scooter.
If you use your mobility scooter or power wheelchair In your home
If you use a class 2 mobility scooter or power chair in your home, then it’s covered under your home contents insurance, provided the value of the mobility scooter isn’t greater than the single item limit in your policy.
If it is, then you'll have to declare it as a specified item in addition to the rest of your contents to your insurance provider.
Most Home insurers generally will not cover a mobility scooter that is licenced for road use. It is very likely that specialist insurance will need to be obtained in this instance.
Out and about on your Mobility Scooter or Power Wheelchair
It’s very likely that you’ll be using the scooter outside your home, in which case you’ll need to have taken out Personal Possessions Cover in addition to your standard home contents insurance.
Personal Possessions Cover insures you against damage to or the loss or theft of your possessions while they're outside the home, up to your single item limit.
This means that if you were to leave the mobility scooter outside a shop whilst making a purchase and came back to find it stolen, you would be covered for the cost of replacing it provided you have meet the requirements imposed by your insurer.
Please Remember to check your insurer’s security requirements when leaving the scooter unattended, outside of the home.
Third Party Liability
As a precaution, it may also be wise to ensure you are covered against any accidental injuries to third parties or damage to their property that occur whilst you’re using your mobility scooter.
As you’ll be driving the scooter on the pavement around pedestrians, there’s always a chance that you could drive over someone’s foot or collide with someone.
If this is deemed to be your fault then you would be liable to pay for any medical bills or property damage.
If your mobility scooter is covered by your home insurer, it's likely you'll have liability cover for the above scenarios.
If not, it may be worth taking out third party liability insurance, in which you would be covered for these expenses.
If you wish to insure your mobility scooter or power wheelchair with your household insurer please contact them for further guidance.
For those of you who require complete peace of mind please follow the link below for a quote.
Complete Peace Of Mind Protection
Even the most careful of drivers can fall victim to circumstances out of their control. Our mobility scooter insurance policy is specifically designed to give you peace of mind and keep you mobile.
24/7 National Accident Recovery
- Puncture Repair
3 Months Free for New Customer
Public Liability (up to £5,000,000)
Theft & Vandalism
- 90 Day Worldwide Cover (including in-flight transactions)