Compare Mobility Scooter Insurance UK 2026
Side-by-side comparison of 6 specialist UK mobility scooter insurance providers. Prices, cover levels, Trustpilot ratings, and what each policy includes.
Quick Answer
The best mobility scooter insurance providers in the UK for 2026 are Surewise (from £3.80/month, 4.8/5 Trustpilot), Fish Insurance (from £38/year, up to £40,000 cover), and Mark Bates Ltd (£5M public liability, 4.8/5 Trustpilot). Mainstream comparison sites like Compare the Market do not cover mobility scooters, so you need to compare specialist providers directly.
UK Mobility Scooter Insurance Comparison Table
| Provider | Price From | Public Liability | Max Cover | Excess | Trustpilot | Best For |
|---|---|---|---|---|---|---|
| Surewise | £3.80/month | Up to £2M | £15,000 | £0 | 4.8/5 | Best overall value |
| Fish Insurance | £38/year | Up to £1M | £40,000 | From £50 | 4.5/5 | High-value scooters |
| Mark Bates Ltd | £54/year | Up to £5M | £10,000 | From £50 | 4.8/5 | Highest liability cover |
| Blue Badge | £49/year | Up to £2M | £10,000 | From £50 | 4.4/5 | Recovery included |
| ETA | £65/year | Up to £2M | £5,000 | £75 | 4.6/5 | Ethical insurer |
Prices and cover levels are indicative and based on publicly available information as of January 2026. Always check directly with providers for current quotes.
Mobility Scooter Insurance Providers Reviewed
Surewise
Best Value4.8/5 Trustpilot (14,000+ reviews)Surewise is the UK's leading specialist mobility scooter insurance provider, underwritten by SAGIC (The Salvation Army General Insurance Corporation). They cover over 140,000 mobility scooters and powerchairs across the UK and offer three tiers of cover to suit different needs and budgets.
Cover Includes:
- Theft from home and away
- Accidental damage
- Fire and vandalism
- Public liability up to £2M (Standard/Extra)
- No excess on claims
- No age limit
- Multiple named riders included
Cover Tiers:
- Lite: Theft + accidental damage (from £3.80/month)
- Standard: + public liability + personal accident
- Extra: + breakdown cover + worldwide travel
Not Covered:
- Mechanical/electrical faults (wear and tear)
- 7-day waiting period on new policies
Surewise offers the cheapest entry point for mobility scooter insurance and is particularly good for those who want zero excess and a simple online process. Read our full Surewise review.
Fish Insurance
Highest Cover4.5/5 TrustpilotFish Insurance offers some of the highest cover levels in the UK market, insuring mobility scooters and powerchairs up to £40,000 in value. They provide new-for-old replacement on scooters less than 3 years old and include hire cover while your scooter is being repaired.
Cover Includes:
- Theft and attempted theft
- Accidental damage
- Fire, flood, and storm damage
- Public liability up to £1M
- New-for-old replacement (under 3 years)
- Hire scooter while yours is repaired
- Cover up to £40,000 scooter value
Strengths:
- Highest maximum cover value in the market
- New-for-old replacement policy
- Hire cover during repairs
- Covers powerchairs and electric wheelchairs
Consider:
- Excess from £50
- Lower public liability than some competitors
Fish Insurance is the best choice for owners of expensive scooters or powerchairs. Their £40,000 maximum cover far exceeds most competitors and the new-for-old policy is generous. Also covers electric wheelchairs and powerchairs.
Mark Bates Ltd
Highest Liability4.8/5 Trustpilot (17,000+ reviews)Mark Bates Ltd is a specialist insurance broker offering one of the highest public liability limits in the mobility scooter insurance market at £5 million. They provide personalised policies and are particularly strong on breakdown recovery and Class 3 scooter cover.
Cover Includes:
- Theft and accidental damage
- Public liability up to £5M
- Breakdown recovery service
- Personal accident cover
- No age limit
- Multi-scooter discounts available
Strengths:
- £5M public liability (highest in market)
- Personalised service via phone/email
- Breakdown recovery included
- Excellent Trustpilot rating
Consider:
- Must get quote by phone or email
- No instant online purchase
Mark Bates is the best choice for those who want maximum public liability protection, especially Class 3 scooter users who travel on roads.
Blue Badge Mobility Insurance
4.4/5 TrustpilotBlue Badge Mobility Insurance is a specialist provider focused exclusively on disability and mobility equipment. They include recovery assistance as standard with their comprehensive policies and cover both mobility scooters and powerchairs.
Cover Includes:
- Theft and accidental damage
- Public liability up to £2M
- Recovery service included
- Accessories cover
- Personal accident cover
Strengths:
- Recovery service included as standard
- Specialist disability equipment focus
- Accessories automatically covered
ETA (Environmental Transport Association)
Ethical Choice4.6/5 TrustpilotThe ETA is an ethical insurance provider and environmental charity. Their mobility scooter insurance is competitively priced and includes breakdown cover as standard. A portion of each premium goes to environmental campaigns.
Cover Includes:
- Theft and accidental damage
- Public liability up to £2M
- Breakdown cover included
- No upper age limit
Strengths:
- Ethical provider (environmental charity)
- Breakdown cover included as standard
- Good customer service reputation
Consider:
- Higher starting price (£65/year)
- £75 excess
- Lower maximum cover value (£5,000)
How to Compare Mobility Scooter Insurance
Finding the cheapest mobility scooter insurance is not just about the monthly premium. Here are the key factors to compare when choosing between providers:
1. Cover Level
Check whether theft, accidental damage, and public liability are all included as standard or whether any are optional extras. The cheapest quote might not include everything you need.
2. Public Liability Amount
This ranges from £1M to £5M across providers. If you use your scooter on roads or in busy public areas, higher public liability cover is worth the extra cost.
3. Excess
Some providers like Surewise offer zero excess, meaning you pay nothing when claiming. Others charge £50-£75 per claim. A lower premium with high excess may cost more if you need to claim.
4. Breakdown Cover
Some policies include breakdown cover as standard (ETA, Blue Badge, Mark Bates), while others offer it as an add-on. If you rely on your scooter daily, this is essential.
5. Maximum Scooter Value
Providers have different maximum cover values, from £5,000 (ETA) to £40,000 (Fish Insurance). Make sure your scooter's value falls within the provider's limits. Check our cost guide for details on how value affects your premium.
6. Customer Reviews
Check Trustpilot ratings for each provider. How a company handles claims matters more than saving a few pounds on premiums. Look for consistent positive feedback about the claims process specifically.
Why Compare the Market Doesn't Work for Mobility Scooter Insurance
Many people search for "compare the market mobility scooter insurance" or try mainstream comparison sites first. Unfortunately, none of the major UK comparison sites include mobility scooter insurance:
- ✗Compare the Market - does not include mobility scooter insurance
- ✗GoCompare - does not include mobility scooter insurance
- ✗MoneySupermarket - does not include mobility scooter insurance
- ✗Confused.com - does not include mobility scooter insurance
This is because mobility scooter insurance is a specialist product with a relatively small market. You need to compare providers directly, which is what this page helps you do. The specialist providers listed above are the main options available in the UK.
What About Saga and Age UK?
Many people search for "Saga mobility scooter insurance" and "Age UK mobility scooter insurance" because these are trusted brands for older people. However, neither currently offers a dedicated mobility scooter insurance product.
Saga
Saga does not offer standalone mobility scooter insurance. Some of their home insurance policies may provide limited cover for mobility aids stored at home, but this would not cover you when out and about, and typically excludes accidental damage and breakdown.
Age UK
Age UK does not currently offer dedicated mobility scooter insurance. While they partner with various insurance providers for other products, mobility scooter cover is best obtained from the specialist providers listed on this page. All specialist providers have no upper age limit, so age is not a barrier to getting cover.
Key Takeaways
- •Surewise is the cheapest option starting from £3.80/month with zero excess
- •Fish Insurance offers the highest cover level (up to £40,000) for expensive scooters
- •Mark Bates provides the highest public liability at £5 million
- •Mainstream comparison sites do not cover mobility scooter insurance
- •Neither Saga nor Age UK offer dedicated mobility scooter cover
- •All specialist providers have no upper age limit
Frequently Asked Questions
Who is the cheapest mobility scooter insurance provider?
Surewise is currently the cheapest specialist provider, with cover starting from £3.80 per month (approximately £38/year) for their Lite tier. Fish Insurance also starts from around £38/year. For a full breakdown of what you can expect to pay, see our cost guide.
Can I use Compare the Market for mobility scooter insurance?
No. Compare the Market, GoCompare, MoneySupermarket, and Confused.com do not include mobility scooter insurance. This is a specialist product that requires direct comparison of dedicated providers like Surewise, Fish Insurance, and Mark Bates.
Does Saga offer mobility scooter insurance?
Saga does not offer a dedicated mobility scooter insurance product. Their home insurance may provide limited cover for mobility equipment stored at home, but specialist providers offer far more comprehensive protection including cover when away from home, accidental damage, and public liability.
What is the best mobility scooter insurance for Class 3 scooters?
For Class 3 scooters that can be used on roads, Mark Bates Ltd is recommended due to their £5 million public liability cover. Surewise Standard or Extra tiers also provide good cover with up to £2 million liability. Higher liability limits are important for road use.
Do I actually need mobility scooter insurance?
It is not legally required, but it is strongly recommended. Without insurance, you are personally liable for any injury or damage your scooter causes, and you would have to pay the full replacement cost if your scooter is stolen. Read our full guide on whether you need mobility scooter insurance.
How much public liability cover do I need?
For Class 2 pavement-only scooters, £1-2 million is usually sufficient. For Class 3 road-legal scooters, aim for £2-5 million due to the increased risk of accidents on roads. Mark Bates offers the highest at £5M, while Surewise and Blue Badge offer £2M. See our public liability guide.
Sources
- GOV.UK - Mobility scooters and powered wheelchairs: the rules
- Surewise - Mobility Scooter Insurance
- Fish Insurance - Mobility Scooter Insurance
- Mark Bates Ltd - Mobility Insurance
- ETA - Mobility Scooter Breakdown Cover
Last updated: January 2026
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