Mobility scooter insurance is not a legal requirement in the UK, but it is strongly recommended. This guide explains what cover is available, what it costs, and whether your existing home insurance might already protect you.
Is mobility scooter insurance compulsory?
No. Unlike a car, you are not legally required to insure a mobility scooter. However, if you injure someone or damage property while using your scooter, you could face significant legal liability. Third-party liability insurance protects you against these costs and is the minimum cover worth having.
What types of cover are available?
Third-party liability: Covers injury to other people or damage to their property caused by your scooter. This is the most important cover and the one most frequently used. Available from around £40 to £80 per year for a Class 2 scooter, £60 to £100 for Class 3.
Accidental damage: Covers damage to the scooter itself caused by accidents, drops or collisions. Most useful for more expensive Class 3 models where repair costs are significant.
Theft: Mobility scooters are a target for thieves, particularly when left outside shops or in communal areas. Theft cover is worth adding if your scooter is regularly left unattended.
Breakdown cover: Some policies include or offer optional breakdown assistance, sending an engineer if your scooter breaks down away from home. Useful for Class 3 users who cover longer distances.
Does my home insurance cover my scooter?
Some home insurance policies include mobility scooters as standard under personal possessions or public liability cover. Check your policy documents carefully before buying separate insurance. If your home insurance does cover your scooter, check the limits, as they may be insufficient for a more expensive Class 3 model, and confirm whether cover applies away from the home.
How much does mobility scooter insurance cost?
A basic third-party liability policy for a Class 2 scooter typically costs £40 to £80 per year. Comprehensive cover including accidental damage, theft and breakdown for a Class 3 scooter runs £100 to £200 per year. Specialist mobility insurance providers including Fish Insurance, Mark Bates Ltd and AIB Insurance all offer dedicated mobility scooter policies. Many retailers also offer insurance at the point of sale.
If you are considering buying a Class 3 outdoor mobility scooter, insurance is particularly worth factoring into your annual running costs given the higher value and road use involved.
Can I get mobility scooter insurance if I am over 80?
Yes. Most specialist mobility scooter insurers do not have an upper age limit. Standard home insurers sometimes do apply age limits but specialist providers such as Fish Insurance and Mark Bates cover all ages.
Does the Motability Scheme include insurance?
Yes. Scooters leased through the Motability Scheme include comprehensive insurance as part of the lease package. You do not need to arrange separate insurance.
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