Comparison
9 specialist policies · checked October 2026
Compare mobility scooter insurance side by side
Published prices, public liability, breakdown cover, excess and age rules for every UK specialist we could verify, straight from their own product pages and policy wordings. Set your scooter's value and what you need.
Updated 6 October 2026 · Figures sourced and linkedMainstream price comparison sites don't quote for mobility scooters, so you compare the specialists directly. Set your scooter's value, the liability you want and whether breakdown must be included. Tap any policy for excess, new-for-old rules, age limits, cover abroad and who regulates it.
Public liability at least
Breakdown recovery
Scooter class
8 of 9 policies match
Doesn't match: Not for scooters over £1,500
Published prices and limits from each provider's own website and policy documents, checked 6 October 2026. Prices are "from" prices: your quote depends on your scooter, its value and the cover you choose. "Ask" under Class 3 means the provider doesn't state it publicly, not that it's excluded. Trustpilot scores cover the whole company, not just scooter policies.
Best for
Six ways to pick
Lowest published price
Fish Lite · Surewise
Both from £38 a year. Fish Lite is for scooters up to £1,500 and has £1m liability; Surewise has £2m and no excess.
Check current terms ↗Highest liability
Mark Bates Plus
£5m public liability, 24/7 recovery including punctures and battery failure, new-for-old up to 3 years.
Check current terms ↗Breakdown in the price
ETA
£65 a year for scooters up to £3,500, with recovery up to 25 miles and personal accident up to £20,000. Riders 18+.
Check current terms ↗No excess, no age limit
Surewise
No excess on claims, multiple riders, 90 days' cover abroad a year. 24/7 recovery is an add-on.
Check current terms ↗Class 3 stated
Surewise · Adrian Flux · First Senior
These three say on their product pages that they cover Class 3 road scooters. Others may: ask before you buy.
Check current terms ↗Valuable scooters
Mark Bates · ETA
Mark Bates has policies for equipment up to £30,000; ETA covers scooters up to £10,000.
Check current terms ↗Big names
Age UK, Saga, Tesco, MoneySuperMarket?
Most of the searches that bring people here name a brand that doesn't actually sell mobility scooter insurance. We checked each one on its own website. Where home insurance covers a scooter, it's usually only a pavement (Class 2) scooter, and you may need to name it.
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.
How to compare
Seven lines that decide a claim
The cheapest quote isn't the best value if it won't pay out when you need it.
01
Public liability
From £1m to £5m. It's the cover for injuring someone, and it isn't capped by your scooter's value. See how much you need.
02
Value limit
Some prices only apply to cheaper scooters: Fish Lite up to £1,500, ETA's £65 up to £3,500, CareCo up to £7,000.
03
Excess
Surewise charges none. Others set it in your schedule, so ask before you buy.
04
New-for-old
Fish, Mark Bates and CareCo replace new only if the scooter is under 2 or 3 years old and bought new. Older scooters get market value.
05
Locking rules
Theft cover depends on how it was left. ETA won't pay if it was unattended in public for over an hour, or over 12 hours even when locked. Check the rules.
06
Breakdown radius
Recovery runs 20 miles (Surewise add-on, Fish Extra), 25 miles (ETA) or nationally (Mark Bates). Compare.
07
Age and riders
Surewise and Fish have no age limit; ETA covers riders 18 and over.
Reviews
What customers say
Trustpilot scores rate the whole company, not just its scooter policies, and review counts move every day. Read recent reviews about claims, not just buying, before you choose.
| Company | TrustScore | Reviews |
|---|---|---|
| Surewise ↗ | 4.8/5 | 14,336 |
| Fish Insurance ↗ | 4.8/5 | 3,050 |
| ETA ↗ | 4.7/5 | 1,743 |
| Mark Bates Ltd ↗ | 4.8/5 | 22,508 |
| CareCo Protect + Go ↗ | 2.8/5 | 40 |
As displayed on Trustpilot or the provider's site, October 2026. Adrian Flux and First Senior not checked.
Questions
Straight answers
What is the best mobility scooter insurance in the UK?
It depends what matters to you. Lowest published price: Fish Lite and Surewise, from £38 a year. Highest liability: Mark Bates Plus, £5m with breakdown included. Breakdown in the price: ETA, £65 a year for scooters up to £3,500. No excess, no age limit: Surewise. Use the filters above to match your scooter.
Who is the cheapest mobility scooter insurer?
Fish Insurance Lite (scooters up to £1,500) and Surewise both start at £38 a year; Surewise also offers £3.80 a month. They're starting prices. Fish Lite has £1m liability against £2m at Surewise. More on the cheapest cover page.
Does Age UK or Saga sell mobility scooter insurance?
Is Blue Badge mobility scooter insurance still available?
Surewise says Blue Badge mobility cover is now provided by Surewise, which offers £2m public liability, no excess and prices from £38 a year. See our Surewise review.
Which mobility scooter insurance includes breakdown cover?
ETA, Fish Extra, Mark Bates (Standard and Plus) and CareCo Protect + Go include recovery. Surewise, Adrian Flux and First Senior sell it as an add-on. Compare radiuses on our breakdown cover page.
Are these insurers regulated?
Each one names its authorised firm in its documents; the firm reference numbers are in the comparison above. Check any of them on the FCA Register before you buy.
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.
- GOV.UK. Mobility scooters and powered wheelchairs: vehicle tax, registration and insurance. accessed October 2026.
- Age Co. Home insurance for over 60s. accessed October 2026.
- Saga. Home insurance for over 50s. accessed October 2026.
- MoneySuperMarket. Scooter insurance. accessed October 2026.
- Compare the Market. Moped and scooter insurance. accessed October 2026.
- RAC. Scooter and moped breakdown cover. accessed October 2026.
- Financial Conduct Authority. Financial Services Register. accessed October 2026.
- Surewise. Mobility Scooter Insurance: product page and policy documents. Checked 6 October 2026.
- Fish Insurance. Mobility Scooter Lite: product page and policy documents. Checked 6 October 2026.
- Fish Insurance. Mobility Scooter Extra: product page and policy documents. Checked 6 October 2026.
- ETA. Mobility Scooter Insurance: product page and policy documents. Checked 6 October 2026.
- Mark Bates Ltd. Scooter & Powerchair Standard: product page and policy documents. Checked 6 October 2026.
- Mark Bates Ltd. Scooter & Powerchair Plus: product page and policy documents. Checked 6 October 2026.
- CareCo Protect + Go. Essentials / Enhanced: product page and policy documents. Checked 6 October 2026.
- Adrian Flux. Mobility Scooter Insurance: product page and policy documents. Checked 6 October 2026.
- First Senior. Powerchair, Wheelchair & Scooter Insurance: product page and policy documents. Checked 6 October 2026.
Keep going
How much it costs →Published starting prices, and which apply to your scooter's value.Cheapest cover →The lowest published prices, and what you give up for them.Breakdown cover →Who recovers you, how far, and why the AA and RAC won't.Public liability →£1m to £5m: how much liability cover you need.Surewise review →What Surewise covers, costs and where it falls short.Age UK →What Age Co home insurance does and doesn't cover.