Mobility Scooter Insurance

Mobility Scooters often provide a sense of life-changing liberation to people with disabilities. And if you own one, you'll know that being without it for any length of time doesn't bear thinking about.
But losing your scooter is not the worst thing that could happen. If you are found to be responsible, or partly responsible, for causing an accident, then you could be deemed liable for costs running into many thousands of pounds.
That is why it is important to have a good quality mobility scooter insurance policy in place. A policy that protects you properly, should the worst happen, and gives you assistance when you need it most.
Chartwell offer insurance for mobility scooters that is designed around your needs, and costs surprisingly little, with rates starting from just £62 for 12 months cover. Speak to us now for a tailored quote.

Insurance for Mobility Scooters

Although insurance for mobility scooters is not a legal requirement, it is highly recommended, as the financial consequences of an accident, theft or breakdown could be huge, not to mention the complications of being without your scooter.
The DVLA made the following statement regarding mobility scooter insurance:
"Although it is not a legal requirement, it is strongly advised to have insurance. Suitable schemes are not too expensive and are available to cover your personal safety, other people's safety and the value of the vehicle."
Here are some of the great features available on mobility scooter insurance policies purchased through Chartwell

• Cover for all powered mobility equipment including mobility scooters, power chairs and electric wheelchairs. Adapted manual wheelchairs with equipment such as Alber e-fix or PDQ Power Trike attachments.
• Third party liability cover up to £2,000,000
• Mechanical Breakdown cover available as an option
• -Includes get you home expenses, and cost of hiring replacement scooter
• Extended Theft cover available for mobility scooters kept outdoors
• Lost Keys cover available
• Cover for up to 60 days overseas use (some restrictions apply in USA and Canada)
• Prices start from just £62

At Chartwell, our staff are trained underwriting technicians, who are able to talk you through your options and assist you with a quotation with minimal hassle. Simply click the button to arrange a free callback at a convenient time, or call us now on 0800 089 0146 for your mobility scooter insurance quote.

Mobility Scooter Insurance, what you must know..!

Unlike vehicle owners, mobility scooter users are not typically required to take out mobility scooter insurance, since they do not ride on public streets or highways.


Yet, many mobility scooter users voluntarily take out insurance to protect themselves in case of an accident or theft. The financial consequences of a scooter accident can be significant. Not only will scooter insurance provide you with financial benefits, it will also give you peace of mind.









Types of Mobility Scooter Insurance
There are two types of scooter insurance:

1. Policies that cover the repair and replacement of your scooter in case of damage or theft, and
2. Policies that cover claims made against you if you cause someone injury or damage property.

Moreover, if you hit someone with your scooter or damage someone’s property and are sued for negligence, some insurance may cover court fees. Policies may also cover the cost of getting you and your scooter back home after an accident or breakdown. Such recovery assistance is usually offered on a 24 hours per day, 365 days per year basis.
It is important to determine exactly what a given scooter insurance policy covers, in writing, to avoid misunderstandings and claims issues. Therefore, prior to shopping for mobility scooter insurance, find out if you are already covered by your homeowners policy.

Some homeowners policies include mobility scooter protection at no additional cost. Those that do typically cover theft and accidental damage, as well as personal liability up to a given limit.

Note: As you review your homeowners insurance, it may be beneficial to review all insurance policies you own to ensure you have the protection you need and want. This includes taking the time to review your life, auto, and medical policies. While evaluating coverages, you may end up lowering your premiums by finding affordable health insurance from another company.

Tips for Selecting a Policy for Your Mobility Scooter
Typically you can choose to take out annual scooter insurance, or save on your total premium by taking out a a two- to three-year policy at once. Shop around to find a competitively priced policy that provides sufficient coverage for your needs. If you think you’ll have trouble paying a particular policy's premium, select a policy that has a higher deductible.

What Are the Limitations of Scooter Insurance?
Some insurance providers may put a cap on the number of times you can file a claim. Also, keep in mind that some policies will only cover the scooter you had when the policy commenced. Therefore, make sure to notify your insurance company if you decide to buy a new scooter mid-way through your policy.

This article is designed to serve as an information resource as you consider insurance coverage for your mobility scooter. The information here is summary in nature and not inclusive to specific policies and coverages. Policy terms and conditions differ and you must thoroughly familiarize yourself with the details of your coverage. Seek the counsel of a reputable insurance agent who has experience with mobility insurance to ensure you are signing up for the coverage that you need.