Mobility scooters have become increasingly popular at the end of the years, providing individuals with limited mobility the freedom to move around easily. However, one question often arises whether or not insurance is necessary for a mobile scooters. In this article, we will explore whether or not you require insurance for a mobility scooter.
Do you need insurance for a mobility scooter?
Mobility scooter users are typically not required to have mobility scooter insurance since they do not ride on public streets. However, some people may select to have insurance voluntarily to protect themselves and their scooters against damage or theft. Mobility scooter coverage can give you monetary protection and less stress about what will happen if something negative occurs.
You can compare quotes from various providers online if you want mobility scooter insurance. Some websites offering mobility scooter coverage are Mark Bates Ltd and Surewise. You can also verify the reviews and ratings of these providers to perceive what other customers think of their service and products.
Do you require insurance for a mobility scooter uk?
According to the UK government rules, you do not need insurance for a mobility scooter or a powered wheelchair. However, the Department strongly recommends it for Transport, and many insurance companies that you receive insurance for your mobility scooter. Insurance can offer protection and peace of mind in case of theft, injury, vehicle or property damage, or loss. Insurance can also cover the cost of repairs, replacement parts, breakdown assistance, and legal expenses.
Is insurance required by law for a mobility scooter?
The short answer is no; law does not require insurance for a mobile scooters. Unlike cars and motorcycles, mobility scooter owners have no legal requirement to have insurance. This means that you can legally drive your mobile scooters without insurance.
However, just because it is not required by law does not mean you should not consider getting insurance for your mobile scooters. While mobility scooters are generally safe to utilize, accidents can happen, and insurance can provide financial protection in an accident.
What does mobility scooter insurance cover?
Some of the benefits and features of mobility scooter insurance may include:
- Theft, vandalism, and accidental damage cover
- Third-party liability and legal expenses cover
- Multiple riders and no age limit
- No hidden fees and no excess
- 24/7 recovery assistance and puncture care
- New for elderly replacement
- Manual wheelchair cover
- European cover
However, not all mobility scooter insurance policies offer the same coverage or benefits. Therefore, comparing different options and reading the terms and conditions carefully before buying a policy is important. You should also verify if your mobile scooters is covered by any other insurance, such as your home contents or travel insurance, to avoid paying for duplicate coverage.
Cheapest mobility scooter insurance companies with their premium in the UK
The cheapest mobility scooter insurance companies in the UK are:
Surewise offer mobility scooter coverage from £38.50/year or £3.80/month. They cover theft, vandalism, accidental damage, third-party liability, legal expenses, breakdown and recovery, puncture care, and more. They have no hidden fees and no excess payments. It also cover multiple riders and a wide range of scooters.
Fish Insurance offer mobile scooters coverage from £38/year or £3.17/month. They cover accidental damage, theft or loss, third-party liability, personal injury, breakdown and recovery, hire costs, and more. They have a 14-day money-back guarantee and a 24/7 helpline. Fish Insurance also cover multiple riders and manual wheelchairs.
They are not an insurance company; however, a comparison website that helps you find the best cover for your mobile scooters or powerchair. They partner with some of the UK’s leading insurance providers to offer competitive quotes and benefits. You can compare prices and features online or by phone.
How much does mobility scooter insurance typically cost?
The cost of mobility scooter insurance can vary depending on the type and level of coverage you request and the provider you select. The average mobility scooter coverage cost is about $50 per month. But the amount of money your mobility scooter cover costs depends on your usage type.
Some examples of providers that offer mobility scooter insurance are:
Surewise offers comprehensive coverage from £38.50/year or £3.80/month, with no excess payments, hidden fees, multiple riders permitted, 24/7 recovery assistance, and puncture care available.
Progressive offers basic liability insurance from $75/year, with optional collision and comprehensive coverage, roadside assistance, and accessory coverage.
Voom offers pay-per-mile coverage for mopeds and scooters from $50/year, with liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.
Are there any circumstances where for a mobility scooter insurance is not necessary?
Some possible situations where you might not need insurance are:
- If you use your mobility scooter indoors, like at home or at a care facility, you’re sure you won’t damage or harm yourself or others.
- If you have comprehensive home insurance that covers your mobile scooters and its accessories against theft, fire, vandalism, and accidental damage within and outside your home.
- If you injure someone or damage their property with your mobility scooter on public or private property, you’re covered by your personal liability cover.
- If your mobility scooter breaks down or runs out of battery, you can obtain roadside assistance and recovery from your breakdown cover policy.
Do you need insurance for an electric scooter?
The only places that legally require you to have electric scooter insurance are the state of Illinois in the US, Texas in the US if the power of the electric scooter’s motor surpasses 750 Watts and Germany. You can use your electric scooter without insurance in all other major countries.
However, even if it’s not mandatory, you may still want to consider getting electric scooter insurance for peace of mind and protection. Electric scooter insurance can cover personal injuries, damages to your scooter, theft of your scooter, damages to other people’s property, or injuries caused by your scooter. The cost and coverage of electric scooter insurance will vary depending on the provider and the type of policy you select.