As the usage of Mobility Scooters increases year on year, we face more and more questions about the need for Mobility Scooter Insurance. Unfortunately, there are numerous myths and half-truths out there with regard to Mobility Scooter Insurance, so hopefully, we can answer some of those questions here.

It may seem like we have a vested interest in selling Mobility Scooter Insurance to you, but our family run company values have always meant we have a different approach. Our company is dedicated to finding the right policy for you, and in some respects, Mobility Scooter Insurance may not be suitable. However, in most cases, we can provide you with a fully comprehensive policy to cover many eventualities if your Mobility Scooter is valued over £50 and is less than 30 years old.

Is Mobility Scooter Insurance legally required?

The simple answer is no. As the Government clearly state, there is no legal requirement to have any insurance for your mobility scooter in place. Even though it is not a legal requirement, it does come highly recommended by The Department For Transport and several user groups.

"It is strongly advised that people take out insurance to cover personal safety, other people’s safety and the value of the vehicle." — The Department For Transport

We firmly believe that having suitable insurance in place to protect yourself and other people around you is one of the best decisions you can make. Having peace of mind and absolving yourself of financial outlay should you have, an accident will mean you can get out and about with less worry. We have been providing insurance for more than 25 years and know first-hand the freedom that our policy can provide.

What does Mobility Scooter Insurance cover?

While most of these accidents don’t lead to physical harm, a lot of them can leave your scooter damaged or unusable, taking away your independence. This is where insurance can be beneficial, getting you back up and running as quickly as possible. Should you have a coverable accident, our policy will cover the full cost of repair with no excess to you.

Our Mobility Scooter Insurance policy also covers you for public liability claims. This is where a large financial loss could change your circumstances drastically. Our coverage means that if you accidentally injure someone whilst on your Mobility Scooter, or damage their property, we will pay up to £2 Million on our Standard cover, and up to £5 Million on our Plus coverage. This may seem like a ridiculous amount of money; however, we pay out hundreds of thousands of pounds each year in claims and know how important this can be to Mobility Scooter users.

Our Policy also covers you for Breakdown Recovery, which would prove to be invaluable should you need to get your Mobility Scooter home following an accident, or if it stops working. Our Plus policy even covers you for punctures and battery failure, so it offers complete peace of mind.

For a full breakdown of our policy, see here.

At the end of the day, the decision to purchase Mobility Scooter Insurance is entirely down to you, however, do note that without insurance there could be legal ramifications if you get into an accident involving someone else or their property.

For more information click here or please don't hesitate to call us at 01476 512190, and we will talk through your Mobility Scooter Insurance policy options with you.