Compare mobility scooter insurance quotes from specialist UK insurers. Find the best mobility scooter insurance for your needs - comprehensive cover for electric scooters, powerchairs and mobility aids.
Get a mobility scooter insurance quote in minutes. Cheap mobility scooter insurance options available with theft, accidental damage & breakdown cover.
Mobility scooter insurance protects your essential mobility equipment from theft, damage and breakdown. With scooter thefts on the rise, the right insurance provides peace of mind and financial protection.
Mobility scooter theft is increasing. Insurance covers replacement costs if your scooter is stolen from home, in public, or from your vehicle.
Quality mobility scooters cost £1,000 to £5,000+. Insurance protects this significant investment against accidental damage, vandalism and mechanical breakdown.
Third party liability cover protects you if your scooter causes injury to someone or damages their property while you're out and about.
Get roadside assistance if your scooter breaks down. Some policies include recovery to your home or a repair centre if needed.
Some policies include personal accident cover, providing financial support if you're injured while using your mobility scooter.
Cover for accessories like baskets, canopies, and battery chargers. Protect all your mobility equipment under one policy.
For pavement-only scooters with max speed of 4mph. These don't require registration but still benefit from comprehensive insurance cover.
For road-legal scooters up to 8mph. Must be registered with DVLA and have rear lights, indicators and a horn.
Specialist cover for powerchairs and electric wheelchairs. Protects your essential mobility equipment.
Cover multiple mobility scooters or wheelchairs under one policy. Ideal for couples or households with multiple users.
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.