Mobility Scooter Insurance.quest

UK mobility scooter insurance · checked October 2026

Mobility scooter insurance, checked line by line

The specialist UK providers, their published prices, liability limits and breakdown cover, taken from their own policy documents. Plus the GOV.UK rules on Class 2, Class 3 and DVLA registration.

Updated 6 October 2026 · Figures sourced and linked
Compare 9 policies →Do I need insurance?
£38/yrLowest published starting price (Fish Lite, Surewise)Source: Fish Insurance, Surewise
£5mHighest public liability we found (Mark Bates Plus)Source: Mark Bates policy wording
8mphClass 3 road limit; 4mph on pavementsSource: Department for Transport, accessed October 2026
17Killed in GB collisions involving mobility scooters in 2023; 94 seriously injuredSource: Department for Transport (parliamentary written answer), 17 June 2025

Start here

Do you need it?

The law doesn't make you insure a Class 2 or Class 3 mobility scooter. GOV.UK recommends it, and the reason is liability. In 2023, collisions involving mobility scooters in Great Britain left 17 people dead, 94 seriously injured and 229 slightly injured (Department for Transport). If you're found responsible for an injury, the claim is against you personally.

Some people are already covered. A Motability lease includes insurance and breakdown assistance. Home insurance can sometimes cover a pavement scooter, but Age Co and Saga both exclude scooters registered for road use.

Your scooter
Leased through Motability?
Is it named on your home insurance?
Out and about
Legally required?NoClass 2 and Class 3 scooters don't legally need insurance, though GOV.UK recommends it. The exception is a vehicle outside the classes weighing over 254kg, which must be insured.
Cover is worth having

Nothing would pay to replace your £1,500 scooter, or to defend you if you hurt someone or damage property. Specialist policies include public liability of £1m to £5m.

Sources: GOV.UK, Motability, Age Co, Saga. A guide, not advice.

Public liability

The cover that matters most

Theft and damage cover replaces a scooter. Public liability protects you if you injure a pedestrian or damage a car or shop window, and that cost isn't capped by your scooter's value.

Every specialist policy we checked includes it, from £1 million on Fish Insurance's Lite tier to £5 million on Mark Bates Plus and CareCo Enhanced. Most sit at £2 million. Read more in our public liability guide.

Mark Bates Ltd · Scooter & Powerchair Plus£5m
CareCo Protect + Go · Essentials / Enhanced£5m
First Senior · Powerchair, Wheelchair & Scooter Insurance£3m
Surewise · Mobility Scooter Insurance£2m
Fish Insurance · Mobility Scooter Extra£2m
ETA · Mobility Scooter Insurance£2m
Mark Bates Ltd · Scooter & Powerchair Standard£2m
Adrian Flux · Mobility Scooter Insurance£2m
Fish Insurance · Mobility Scooter Lite£1m

Maximum public liability per policy, from each provider's product page or policy wording, checked October 2026.

Who sells it

Searched for these? Here's the answer

People search for mobility scooter insurance from big names they already trust. Most of them don't sell it. Here's what each one actually offers, from their own websites.

The specialists that do are in our provider comparison.

Age UK / Age CoHome insurance (provided by LV=) can add a scooter as a Personal Belonging, covered away from home too. Class 3 road scooters are not covered. Source ↗
SagaHome insurance can cover a scooter not registered for road use if you specify it; includes liability when using mobility devices on some policies. Source ↗
Compare the Market, MoneySuperMarket, GoCompareTheir 'scooter insurance' pages compare mopeds and motorbike scooters, not mobility scooters. Source ↗
AA and RACBreakdown cover excludes mobility scooters. The RAC says to use a specialist provider. Source ↗
Tesco Bank, AvivaNo standalone mobility scooter product. Aviva home wording treats Class 2 scooters as belongings, not motor vehicles. Source ↗
Blue Badge InsuranceBlue Badge mobility cover is now provided by Surewise. Source ↗
RipeNo standalone scooter policy; its park home insurance can cover a Class 2 scooter. Source ↗
Motability SchemeScooter and powerchair leases include insurance and breakdown assistance; it isn't sold separately. Source ↗

Checked against each company's own website, October 2026. Products change, so check before relying on this.

Class 2 or Class 3

Pavement or road?

Class 2 scooters and powerchairs are limited to 4mph and meant for pavements. Class 3 scooters can do 8mph on the road (4mph on pavements), must be registered with DVLA, and need lights, indicators, a horn and a rear mirror (GOV.UK). You must be 14 or over to drive one.

Neither class needs a driving licence or vehicle tax. You can't use either on motorways, in bus lanes or in cycle lanes, and the Highway Code says to avoid unrestricted dual carriageways; if you do use one, a flashing amber beacon is compulsory.

Check your scooter's class →

Questions

Straight answers

How much is mobility scooter insurance in the UK?
Published starting prices run from £38 a year (Fish Insurance Lite, for scooters up to £1,500; Surewise from £38 a year or £3.80 a month) to £65 a year at ETA for scooters worth up to £3,500. Several specialists don't publish prices. See the cost checker.
Is mobility scooter insurance a legal requirement?
No. GOV.UK says you don't need insurance for a Class 2 or Class 3 scooter or powered wheelchair, although it's recommended. A vehicle outside the classes that weighs over 254kg must be insured.
Does Age UK do mobility scooter insurance?
Not as a standalone policy. Age Co home insurance can include a scooter as a personal belonging, but Class 3 road scooters aren't covered. More in our Age UK guide.
Can I compare mobility scooter insurance on MoneySuperMarket or Compare the Market?
No. Their scooter insurance pages compare mopeds and motorbike scooters. You compare specialists such as Surewise, Fish, ETA and Mark Bates directly, which is what our comparison does.
What does mobility scooter insurance cover?
Typically theft, accidental damage and vandalism, public liability if you injure someone or damage their property, personal accident, a replacement scooter during repairs and cover abroad. Breakdown recovery is included with some policies and an add-on with others.
Do I need to register my mobility scooter with the DVLA?
Only Class 3 (8mph, road-legal) scooters, on form V55/MV. There's no tax to pay and no licence needed. Check yours with our class checker.

Sources

Where the numbers come from

We use primary sources only: insurers' own product pages and policy documents, regulators and government. Figures were checked on 6 October 2026. Spot something out of date? The source link is the fastest way to check.

  1. GOV.UK. Mobility scooters and powered wheelchairs: vehicle tax, registration and insurance. accessed October 2026.
  2. GOV.UK. Mobility scooters and powered wheelchairs: the rules — Class 2 and Class 3. accessed October 2026.
  3. GOV.UK. Mobility scooters and powered wheelchairs: driving on the road. accessed October 2026.
  4. Department for Transport. The Highway Code: rules for users of powered wheelchairs and mobility scooters (36 to 46). accessed October 2026.
  5. DVLA. Apply for first vehicle tax and registration of a mobility vehicle (V55/MV). updated 28 March 2024.
  6. Department for Transport (parliamentary written answer). Casualties in reported collisions involving mobility scooters, Great Britain, 2023. 17 June 2025.
  7. Motability. How dealerships support you during your lease. 28 November 2022.
  8. Age Co. Home insurance for over 60s. accessed October 2026.
  9. Saga. Home insurance for over 50s. accessed October 2026.
  10. MoneySuperMarket. Scooter insurance. accessed October 2026.
  11. Surewise. Mobility Scooter Insurance: product page and policy documents. Checked 6 October 2026.
  12. Fish Insurance. Mobility Scooter Lite: product page and policy documents. Checked 6 October 2026.
  13. Fish Insurance. Mobility Scooter Extra: product page and policy documents. Checked 6 October 2026.
  14. ETA. Mobility Scooter Insurance: product page and policy documents. Checked 6 October 2026.
  15. Mark Bates Ltd. Scooter & Powerchair Standard: product page and policy documents. Checked 6 October 2026.
  16. Mark Bates Ltd. Scooter & Powerchair Plus: product page and policy documents. Checked 6 October 2026.
  17. CareCo Protect + Go. Essentials / Enhanced: product page and policy documents. Checked 6 October 2026.
  18. Adrian Flux. Mobility Scooter Insurance: product page and policy documents. Checked 6 October 2026.
  19. First Senior. Powerchair, Wheelchair & Scooter Insurance: product page and policy documents. Checked 6 October 2026.

Keep going

Compare providers →Nine policies side by side, filtered to your scooter.How much it costs →Published starting prices, and which apply to your scooter's value.Class 3 & DVLA registration →Check your scooter's class and what registration involves.Breakdown cover →Who recovers you, how far, and why the AA and RAC won't.Powerchair insurance →Cover for electric wheelchairs and powerchairs.Theft prevention →The locking rules that decide whether a theft claim pays.