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.

Ensuring complete peace of mind

Mobility products open up whole new avenues of opportunity in both the ability to get out and about to become more mobile around your home.

It is therefore of the greatest importance that you are comprehensively protected against any eventuality such as having an accident, your product stolen, damaging someone else's property or even bumping into them causing injury. The financial consequences of such an incident can sometimes be substantial and you could be held liable for legal claims and costs made against you. Public awareness and incidence of such cases has dramatically increased as a result of the recent spate of media advertising.

Premier Care takes of any such instances and leaves you free to enjoy complete peace of mind when making the most of your mobile product.

Mark Bates Ltd, an independent intermediary, has built a reputation for excellence in providing quality care and attention to our customers by being able to identify and understand their needs, dealing with putting matters right when they go wrong, quickly, fairly and without fuss.

Force mobility scooter riders to have insurance, says pensioner whose hip was broken in supermarket crash

A pensioner seriously injured by a mobility scooter is calling for a change in the law to force riders to take out insurance.
Audrey King, 70, was shopping with a friend when a disabled woman at the wheel of a scooter crashed into her.
Witnesses at the indoor market helped the widow as she lay on the floor with a broken hip and badly fractured thigh bone.
The rider of the scooter repeatedly apologised for the accident, explaining that her coat had snagged, causing her to lose control.
Mrs King, from Leigh, near Wigan, later discovered the woman was not insured, and is having to sue for compensation in one of the first cases of its kind.
Mobility scooters, which can have a top speed of around 8mph, are not legally defined as motor vehicles.
There is no need for users to have a licence or undergo training – and although the Department for Transport requires scooters capable of exceeding 4mph to be registered with the DVLA for road use, insurance is not compulsory.
This means people injured by negligent users have no method of seeking compensation besides suing.
Now Mrs King, a retired secretary, has called for a change in the law to require all mobility scooter users to be insured against third-party injuries.
She recalled how she was left in ‘agonising pain’ after being knocked over.
‘It was absolutely unbearable. The woman kept on saying “I’m sorry, I’m sorry” but I was too delirious to take it in,’ she added.
Mrs King spent six days in hospital, where she had a pin and screw put into her femur and hip, before being allowed home.

Thanks to DailyMail.co.uk

Mobility Scooter Insurance

Mobile or mobility scooters are a common sight nowadays on our roads and pavements. You'll know when you’re coming upon one, as they’re usually outfitted with a fairly long pole with a highly visible flag atop!

They provide a good degree of freedom to the infirm and elderly that has not in the past been obtainable to them. But, with this increase in their use there also comes responsibility and risk.

In most jurisdictions, mobility scooter insurance is not yet a legal requirement; however there is a real need for users to insure, and that is for third party liability, which will occur if the driver ever causes a traffic accident or an injury to a person, or someone’s property. As important, is that your health is a very valid reason to be insured while riding a mobile scooter. A decent Mobility scooter insurance policy would cover your expenses for injuries when you suffer in a mishap.

Public liability could amount to a substantial sum in extreme cases like fatal accidents, likely into the hundreds of thousands of dollars and a well structured policy would cover the outlandish claims our system has so generously allowed to be upheld; therefore do check the limit on the insurance companies offer. Your mobility scooter insurance should also cover you for damages caused to your own machine, and these could often mean the expense of a new mobility scooter. Check also that your provider is including storm or fire damage, highly unlikely to occur, but pricey if it does, especially if this rider has been overlooked.

Theft is regrettably a fact of life and theft of mobile scooters even electric wheel chairs is on the increase since bigger models come with such a large price tag. Your mobility scooter insurance must cover you for the complete value of your mobility scooter, if you’re unfortunate enough to lose one from theft... An essential consideration is also breakdown assistance or malfunctioning rescue. Imagine, if your scooter stops functioning while you are away from home, make sure that the policy includes callout rescue in order to get you back home. Preferably this must be a 24 hours service and do not forget to keep the telephone number with you all the time.

What about while you are on a trip? Again, you have to check the policy provides holiday coverage and make sure you check the terms and conditions carefully in order to see which parts of the country are covered and whether you are covered for the trip. Sometimes a timely phone call to your provider before you set off, is time well spent. When buying Mobility Scooters insurance, ensure the insurance company brand you purchase from is endorsed by the government or by a medical organization.

Insuring a Mobility Scooter

At present, unlike car drivers, users of mobility scooters are not required to take out insurance before they can drive them. This is presuming that , like mobility scooter users, you only plan to drive on the pavement and don't use it on the public highway. It may, however, be worth considering the possibility of taking out third party insurance in case of accident or injury to other pavement users or damage to property, caused by your driving. It is also worth thinking about insuring the mobility scooter itself against damage and theft.

If you were to hit someone, or damage someone's property, in your mobility scooter your insurance will probably pay for your defence, if it was to go to court, and the resultant damages. As ever, you should always confirm exactly what is covered, preferably in writing, with the company you are insured with. That way you can avoid any misunderstandings in the future.

What Is Covered
The cost of repairs, and even the cost of replacing the scooter itself if is too badly damaged, will probably be covered by your insurance policy. Some insurance companies will also ensure that you and your mobility scooter get home safely in the event of you breaking down or being involved in an accident. This can be on a 24 hour 365 days a year basis. You should always confirm this with your insurance company before taking out a policy, so you know what you area and are not covered for.


Often the insurance policy for the recovery service will only usually cover a limited radius from the place which is the registered address of the mobility scooter.

Policy Limitations
There is usually a limit to the number of breakdown calls a mobility scooter user can make during the year. Typically this is around four times. Should you exceed this number of call outs, it is possible that the insurance company could cancel your insurance cover and, even if there is still a few remaining months left on your insurance policy, not offer you a refund for the time remaining. It is important to check this out before taking out the policy and to also ensure that your mobility scooter is maintained, so as to avoid regular break downs.
Most insurance policies will only cover you for the mobility scooter that you insured when the policy commenced, so if you decide to change mobility scooters part way through your policy it is very important that you let your insurance company know of the change in details.

It is also possible that you will not be able to make a claim on the recovery service policy for 48 hours after it commences. Should you find yourself in difficulty and your mobility scooter is covered in mud, snow, sand or water there is a possibility that you will not be covered under your insurance policy, as is if you happen to lose the keys to your mobility scooter.

It is vital that you check your insurance policy in detail.

Emergency mobility scooter breakdown cover

Emergency mobility scooter breakdown cover
This exclusive recovery service provides assistance following electrical
or mechanical breakdown of your vehicle. Immobilisation of your vehicle
as a result of an accident, tyre puncture, flat battery, vandalism or
attempted theft.
Regular Price: £79.00
Vat exclusive price: £59.00




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Emergency mobility scooter  Breakdown Recovery Service

Breakdown Cover for Complete Peace of Mind and Confidence
Please note you must provide us :
we do need to know

Make
model
Purchase price
Serial number
New or old Year of manufacture
Full name and address of policy holder
Date of birth
Phone number
email info@goactivemobility.co.uk
What Cover do I Get?

Scooters and powerchairs are made to a very high
standard and are incredibly robust, but, like any vehicle
with electrical and mechanical components they can
occasionally go wrong.
It can be a very worrying and distressing experience for
you if your vehicle breaks down and you are left stranded
away from home.

Because we recognise this, First Senior
have formed a partnership with First Call GB Ltd to give
you a breakdown recovery service that you can really
depend on.
In the event of a breakdown - you simply call our
FREEPHONE number - 24 hours a day, 7 days a week.
First Call GB Ltd will organise a recovery truck that will
take you and your product home - normally in under
an hour.
Summary of Cover
• This exclusive recovery service provides assistance following electrical
or mechanical breakdown of your vehicle. Immobilisation of your vehicle
as a result of an accident, tyre puncture, flat battery, vandalism or
attempted theft.
• Gets you and your vehicle back to your home address up to a maximum
of 20 miles.
• Gets you and your vehicle back to your temporary address (or holiday
home) up to a maximum of 20 miles as long as the address is in the UK.
• A maximum of 6 call outs per year.
• For all Class 2 and 3 electric pavement vehicles and electric wheelchairs
• Service available 24 hours a day - seven days a week.
• Coverage throughout the UK including Northern Ireland, the Isle of Man
and the Channel Islands.
IMPORTANT - Please see main exclusions and limitations. Ensure that you
read fully before you complete the application form
Exclusions & Limitations
Breakdown Cover will not cover the following:
A) The service cannot be provided if you need medical assistance in transferring
from your vehicle to the recovery vehicle
B) Vehicles that have not been regularly serviced or breakdown as a result of inadequate
repair or unauthorised repairs by untrained technicians and/or re-occurring claim
where no remedial action has been taken to correct the fault
C) Any Liability or consequential loss arising from any act performed in the execution of
the breakdown services required
D) Any fines or penalties imposed by courts
E) Vehicles immersed in mud, snow, sand or water
F) Any claim arising from the first 48 hours from the date of inception
G) The cost of replacement parts or materials used in the repair
H) Toll charges, ferry charges, parking charges, traffic congestion charges
I) Loss of keys
J) The policy is non refundable after the first 14 days of inception and only then
if no claim has been made
K) Breakdowns where your vehicle is not accessible or cannot be transported safely, legally
and without hindrance using a standard transporter or trailer
L) More than four call outs per year
This scheme has been exclusively prepared for First Senior Insurance
Services Ltd, Unit 8, Cotswold Business Park, Millfield Lane, Caddington,
Bedfordshire LU1 4AR. First Senior Insurance is authorised and regulated by
the Financial Services Authority.
This scheme is administered by First Call GB Ltd, Wellington House, 90-92
Butt Road, Colchester, Essex CO3 3DA. First Call GB Ltd is authorised and
regulated by the Financial Services Authority.
In the unlikely event of a complaint, please write in the first instance to:
The Customer Service Manager, First Senior Insurance Services, Unit 8,
Cotswold Business Park, Millfield Lane, Caddington, Bedfordshire LU1 4AR.

Privacy Policy

Privacy Policy for http://mobilityscooterinsuranceinfo.blogspot.com/
If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at info.pakistaniface@gmail.com.
At http://mobilityscooterinsuranceinfo.blogspot.com/, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by http://mobilityscooterinsuranceinfo.blogspot.com/ and how it is used.

Log Files
Like many other Web sites, http://mobilityscooterinsuranceinfo.blogspot.com/ makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons
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DoubleClick DART Cookie
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Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include ….

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http://mobilityscooterinsuranceinfo.blogspot.com/ has no access to or control over these cookies that are used by third-party advertisers.
You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. http://mobilityscooterinsuranceinfo.blogspot.com/’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.
If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites.

1 Years Fully Comprehensive Mobility scooter/Powerchair Insurance

1 Years Fully Comprehensive Mobility scooter/Powerchair Insurance

Mobility scooter/powerchair insurance Policies are underwritten by Aviva UK 

Used and new mobility scooters/powerchairs are covered!

Regular Price: £69.00

Vat exclusive price: £69.00 

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In stock: Yes

Qty:  

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Detailed description

Mobility scooter and powerchair insurance UK

It is very important to note that although insurance is not compulsory yet, the DEPARTMENT OF TRANSPORT states: ‘Although it is not a legal requirement, an insurance policy is strongly advised'

1 year fully comprehensive mobility scooter insurance only £69

Please note you must provide us the following information in order to activate policy: 

we do need to know details on your mobility scooter/powerchair

Make

model

Purchase price

Serial number

New or old Year of manufacture

Full name and address of policy holder

Date of birth

Phone number

email info@goactivemobility.co.uk or call 01376 561312

Typical Key Insurance Benefits

Any Driver 

Accidental Damage 

Fire Damage 

Flood Damage 

Loss or damage caused by theft or attempted theft 

New for old replacement if the damage exceeds 60% of the replacement value during the first 24 months, assuming product is new 

Public liability up to £2 million 

Get you home expenses following an accident 

Nil excess 

No claims bonus 

40 Day world-wide cover 

Temporary cover to loan equipment of similar value whilst your product is in the custody of the dealer/manufacturer 

Temporary hire cover 

Storm Damage 

Personal Injury Benefit 

Carer contingent liability 

Personal effects cover 

Policies underwritten by Aviva

Exclusions & Limitations

FSIS Policies for Scooters & Powerchairs

A copy of the master policy is available on request. The principle Exclusions and !: Limitations of cover are as follows:

A. Faulty design, plan specification or materials

B. Damage to tyres by application of brakes or by road punctures, cuts or bursts

C. The cost of the routine maintenance, overhaul or modifications or loss, damage or breakdown arising there from

D. Loss or damage following modifications or servicing not in accordance with the manufacturers instructions

E. Any loss or damage caused by corrosion

F. Repairs to or replacement of tyres, batteries, fuses, bulbs and any consumable items

G. Personal injury cover is limited to a maximum of £1000 where the insured user is injured during an insured event the insurance company will pay the above amount in respect of death, loss of one or more limbs, or permanent blindness in one or both eyes

H. Temporary hire cover is limited to:- Contribution towards temporary hire charges of an alternative similar product (subject to availability) to keep you mobile whilst your mobility product is being repaired following an insured accident. Maximum £5 per day, limit £125 per policy year. Excludes first 7 days

I. Get you home is limited to:- Following an Insured Peril you are covered for reasonable costs to get you and your mobility product home: e.g. by taxi. Maximum £50 per claim, maximum £150 per policy year, excludes the first £5 of each claim

J. Personal effects is limited to:- the first £100 towards loss, damage or theft of personal effects as a result of an insured event. The first £20 of each claim is excluded

Complaint Procedure

It is our intention to provide you at all times with a high level of customer service. However, if you have any reason whatsoever to be unhappy with the arrangement or servicing of your insurance, please contact the Customer Service Manager, First Senior Insurance, Unit 8 Cotswold Business Park, Millfield Lane, Caddington, Beds LU1 4AR

Any complaint will be acknowledged within five business days of receipt. You will be advised of the person who will be dealing with your concerns and when you can expect to receive a response. We aim to provide you with a full written response within twenty business days to the matters you have raised, unless the complaint is particularly complicated or warrants further investigation. If this is the case, you will be advised in writing if more time is required to provide you with a satisfactory response.

Your custom is valuable to us and we want you to be entirely satisfied with the response and service we give. Our aim is to resolve all concerns internally. If you remain dissatisfied with the way in which we have dealt with your complaint and you are a Retail or Commercial Customer (with a turnover of less than £1 million) you I may refer your complaint to the Financial Ombudsman Service (FOS). Should this be the case we will send you information on the FOS.

Please note you must provide us the following information in order to activate policy: 

we do need to know details on your mobility scooter/powerchair

Make

model

Purchase price

Serial number

New or old Year of manufacture

Full name and address of policy holder

Date of birth

Phone number

email info@goactivemobility.co.uk or call 01376 561312