Mobility Scooter Insurance UK 2025

No, mobility scooter insurance is not a legal requirement in the UK. However, it's highly recommended to protect your investment. Class 3 scooters (road-legal, up to 8mph) must be registered with DVLA but don't require compulsory insurance like cars do. That said, insurance provides valuable protection against theft, damage, and third-party liability claims.

Mobility scooter insurance typically costs between £50 and £150 per year, depending on the scooter's value, the level of cover chosen, and where you live. Comprehensive policies including theft, accidental damage, and breakdown cover will be at the higher end, while basic theft-only cover can be much cheaper.

Class 2 scooters have a maximum speed of 4mph and are designed for pavement use only. They don't need to be registered. Class 3 scooters can travel up to 8mph on roads (4mph on pavements), must be registered with DVLA, and need lights, indicators, a horn, and rear reflectors. Class 3 scooters can use the road but not motorways or cycle lanes.

Some home insurance policies include limited cover for mobility scooters, but it's often restricted to theft from your home only. Cover for use away from home, accidental damage, and breakdown is typically not included. Specialist mobility scooter insurance provides more comprehensive protection and is usually better value than adding to your home insurance.

Yes, most insurers will cover second-hand mobility scooters. You'll need to provide details of the scooter's age, value, and condition. Some insurers may have maximum age limits (e.g., 10 years) or require a recent service history. The insurance will be based on the current market value rather than the original purchase price.

Mobility scooter breakdown cover provides 24/7 roadside assistance if your scooter breaks down while you're out. It typically includes recovery to your home or a repair centre. Providers like Surewise and Age UK offer mobility scooter insurance and breakdown cover as a combined package, which is often better value than buying separately.

Mobility scooter third party insurance (also called public liability) covers you if your scooter causes injury to someone or damages their property. While not legally required, mobility scooter liability insurance provides peace of mind when using your scooter in public places. Most comprehensive policies include this as standard.