Compare Mobility Scooter Insurance

For those who require a mobility scooter to get around, it can be a lifeline to keeping their independence and freedom. That is why many choose to take out insurance to protect themselves against unforeseen costs and keep them on the road. We have compiled this comprehensive guide outlining everything to consider when making the important decision of which policy suits your needs.

Here at Surewise, we offer affordable mobility scooter insurance, as well as cover for powered wheelchairs, cabin cars and manual wheelchairs. But of course, you have to make your own informed decision. We have done the research for you by comparing our policies against similar companies, so you don’t just have to take our word for it. 

Prices are correct at the time of publishing  (*May 2024); however, providers may change their prices at any time.

Surewise Mobility Scooter Insurance

Our Mobility scooter insurance policy covers:

• No excess or age limit
• Cover for multiple drivers
• Loss, theft or damage
• Third-party liability
• Accidental damage to property
• Recovery costs
• New for old replacement
• Personal accident
• Personal effects
• Hire costs (Silver & Gold)
• Hospital benefit
• Worldwide cover (excluding USA and Canada)
• Manual wheelchair cover

Optional Extras

• Puncture Care
• Breakdown Recovery
• Key Cover (Replacement Keys)
• Extended Warranty- (only available for mobility scooters that are between 1-4 years old)

If you want affordable, comprehensive mobility scooter insurance, get a quote here.

Your Price Match Guarantee

We believe that we provide the best cover at the lowest prices with the best underwriter but please let us know if you think otherwise and we’ll price match for you.

We offer much more than just great prices, but we don’t want price to be a reason you shop elsewhere.

At Surewise we believe that our Mobility Scooter cover is the best value cover on the market.

We promise that we will match the cheapest mobility scooter insurance, with the same level of cover, that you can find – even up to 7 days after your purchase.

All you need to do is make a note of the supplier, its price and the cover you want us to match. We will verify and match the price there and then for you.

To benefit, please contact us via our help centre.

Blue Badge Mobility Insurance

Blue Badge Mobility Insurance provides cover for mobility scooters, starting at £46 per year.

The standard policy doesn’t include any Recovery Service, if you require this, you will need to add it to your policy as an optional extra. Their Recovery Service includes recovery after a breakdown or accident, provided it occurs within a 20-mile radius of your home. It also includes your transport costs back home. If recovery isn’t added to the policy they won’t pay out for any costs involved with getting you and your scooter back home.

Blue Badge has an excess for a Public Liability claim which is £250 and for Theft or Accidental Damage, the excess is £50.

Fish Mobility Scooter Insurance

Fish’s ‘Lite’ policy starts at £38 for Mobility Scooter Insurance, which is only available through online purchase. However, this basic plan does not cover full breakdown and recovery services. If you require more comprehensive cover, you can opt for the ‘Extra’ policy, which starts at £114 per year. This upgraded plan includes breakdown assistance, rescue services, and puncture care.

Fish have an excess of £25 for their Lite policy, but there is no excess for their Standard or Extra policies.

ETA Mobility Scooter Insurance

ETA Mobility Scooter Insurance starts at £65 a year and this payment has to be paid in one go and cannot be split into monthly payments. 

This price includes key cover, breakdown costs and puncture care as standard, meaning you are unable to customise your policy to suit your needs and pay only for the parts that you would like.

ETA offers the option to have breakdown assistance without insurance. Qualified mechanics will attempt to repair your mobility scooter on the scene, but if not, you and your scooter will be transported to a suitable repairer. Recovery services can take you home, provided the breakdown occurs within a 25-mile radius of your home. 

It is important to consider that if your scooter has broken down it may need repairing and if you don’t have insurance on your scooter then you will have to pay for the repairs out of your own pocket.

Mark Bates Mobility Scooter Insurance

Mark Bates Mobility offers two mobility scooter insurance plans either the Basic or the Plus. The Basic plan starts at £96 annually, but if you prefer monthly payments, an additional £10 admin fee will be charged. 

This basic level cover insures the rider, not the mobility scooter. This means if you share a scooter with someone else in your household, you will need two separate policies.

The basic level doesn’t cover extras like puncture repair or an additional manual wheelchair. If you require any of these extras, you will need to take out the Plus level, which starts at £131.

Top Tips to Consider When Taking Out Mobility Scooter Insurance

Choosing which mobility scooter insurance cover to take out can be overwhelming, especially if this is the first time you require insurance.

We have outlined some of our top tips to consider to make the process easier for you!

Is Mobility Scooter Insurance Mandatory in The UK?

Whilst mobility scooter insuranceisn’t a legal requirement, it is strongly advised by the Department For Transport. Taking out an insurance policy for your mobility scooter allows you to go about your day with peace of mind and the knowledge that you have cover for your personal safety, that of others, and for your scooter itself. No one likes to have unforeseen costs creep up on them, especially not if you consider your mobility scooter to be your lifeline, as many do.

How Much Does it Cost To Insure a Mobility Scooter?

Although this seems like the most obvious thing to check, it is important to look beyond the standard cover costs and consider the overall cost of your policy. This includes any admin fees you may be required to pay. Some insurance companies may charge an excess in the event of a claim, it is always best to be aware of this when making your decision.

Do I Have the Flexibility to Pay Monthly Or Annually?

Some insurers don’t have a monthly option and some charge extra to split your costs over the year. We offer the option to pay for your policy annually or have your premium divided into monthly payments across the year. We don’t charge any extra admin fees for this as we like our customers to have the flexibility to choose a payment plan that suits them. Have a look at our quote process for yourself here.

Are There Any Optional Extras?

Many insurance companies offer extras that you can add to your policy. These include puncture care, key cover, breakdown recovery and extended warranty. Some policies will allow you the flexibility to customise your policy, whereas others will include all of them or none of them.

Is My Manual Wheelchair Covered As Standard?

Many mobility scooter users also have manual wheelchairs for use around the house or for travelling purposes. Some insurers will cover a wheelchair at no extra cost, while others may require you to take out a separate policy.

Are Multiple Riders Covered Under One Policy?

This is important to find out if you share a scooter with another member of your household. Some policies will allow any rider to be insured on the mobility scooter because they insure the scooter, not the individual rider.

Will The Value of My Mobility Scooter Increase The Cost of My Policy?

Most insurance policies will base the price of your policy on the price of your scooter, and you must be honest about this, as your claim may be declined if you are underinsured.

Hopefully, you now have a clearer understanding of everything to consider when looking for insurance for your mobility scooter and you can make an informed decision!