How Much Does Mobility Scooter Insurance Cost?
Complete UK pricing guide for 2026 with costs by provider and cover level
Quick Answer
Mobility scooter insurance costs between £38 and £150 per year in the UK (£3.17 to £12.50 per month). Basic theft-only cover starts from £38/year with Surewise, while comprehensive cover including public liability and breakdown typically costs £80-£150/year. The price depends on your scooter's value, the level of cover, and your chosen provider.
Mobility Scooter Insurance Prices by Cover Level
The cost of mobility scooter insurance varies significantly depending on how much cover you need. Here is what you can expect to pay for each level:
| Cover Level | Annual Cost | Monthly Cost | What's Included |
|---|---|---|---|
| Basic | £38-£55 | £3.17-£4.58 | Theft + accidental damage |
| Standard | £60-£100 | £5.00-£8.33 | + public liability + personal accident |
| Comprehensive | £100-£150 | £8.33-£12.50 | + breakdown + accessories + worldwide |
These are typical price ranges based on a scooter valued at £1,000-£3,000. Higher-value scooters will cost more to insure.
Mobility Scooter Insurance Prices by Provider
| Provider | Starting Price | Cover Level | Excess |
|---|---|---|---|
| Surewise Lite | £3.80/month | Theft + accidental damage | £0 |
| Surewise Standard | ~£5.50/month | + public liability + personal accident | £0 |
| Surewise Extra | ~£7.50/month | + breakdown + worldwide + key cover | £0 |
| Fish Insurance | £38/year | Comprehensive (up to £40k) | From £50 |
| Blue Badge | £49/year | Comprehensive + recovery | From £50 |
| Mark Bates Ltd | £54/year | Comprehensive + £5M liability | From £50 |
| ETA | £65/year | Comprehensive + breakdown | £75 |
For a detailed breakdown of what each provider offers, see our full provider comparison.
What Affects the Price of Mobility Scooter Insurance?
Scooter Value
The most significant factor. A scooter worth £500 will cost less to insure than one worth £5,000. Most providers set premiums based on the declared value or replacement cost of your scooter. Budget scooters (under £1,000) typically fall into the cheapest premium band.
Scooter Class
Class 3 scooters (road-legal, up to 8mph) may cost slightly more to insure than Class 2 (pavement-only, 4mph) because they carry a higher risk of road accidents. The difference is typically £10-£20 per year.
Cover Level
Basic theft cover is cheapest. Adding public liability, breakdown cover, and accessories cover increases the premium. The jump from basic to standard is usually around £20-£40/year.
Excess Amount
Choosing a higher excess (the amount you pay when claiming) can reduce your premium. Surewise offers zero excess as standard, while other providers charge £50-£75. Zero excess means you pay nothing if you need to claim, but premiums may be slightly higher.
New vs Second-Hand
Second-hand scooters are generally cheaper to insure because their market value is lower. Some providers like Surewise do not differentiate between new and used in their pricing - they base it purely on the current value.
Optional Extras
Add-ons like puncture care, key cover, worldwide travel cover, and hire scooter during repairs each add to the premium. Only add extras you genuinely need. Breakdown cover is typically the most valuable add-on, costing around £15-£25 per year extra.
How to Get Cheaper Mobility Scooter Insurance
- 1.Choose only the cover you need. If you only use your scooter on pavements near home, basic theft and damage cover may be sufficient without public liability.
- 2.Declare an accurate value. Do not over-value your scooter. If it is 3 years old and originally cost £2,000, its current market value might be £1,200. Insuring for the current value saves money.
- 3.Pay annually. Most providers offer a small discount for paying the full year upfront rather than monthly. This can save 5-10% on the total cost.
- 4.Compare at least 3 providers. Prices vary significantly. A quick comparison between Surewise, Fish, and Mark Bates takes 10 minutes and could save you £30-£50/year. See our comparison.
- 5.Consider a higher excess. If you are happy to pay the first £50-£75 of any claim, choosing a policy with an excess can reduce your annual premium. Weigh this against Surewise's zero-excess option.
- 6.Bundle breakdown cover. Buying breakdown cover as part of your insurance package is usually cheaper than buying standalone breakdown assistance.
Is Mobility Scooter Insurance Worth the Cost?
Consider the cost of insurance against the potential costs without it:
| Scenario | Cost Without Insurance | Cost With Insurance |
|---|---|---|
| Scooter stolen | £1,000-£5,000+ replacement | £0 (zero excess with Surewise) |
| Accidental damage | £200-£1,500 repairs | £0-£75 (excess only) |
| Injure a pedestrian | Unlimited personal liability | Covered up to £1M-£5M |
| Breakdown away from home | £100-£200 recovery | Included in policy |
At £38-£150 per year (£3.17-£12.50/month), mobility scooter insurance costs less than a weekly shop for most people. Given that scooters typically cost £1,000-£5,000 and are essential for independence, the cost-benefit calculation strongly favours insurance. Read more about whether you need mobility scooter insurance.
Frequently Asked Questions
How much does mobility scooter insurance cost per month?
Between £3.17 and £12.50 per month depending on the level of cover. Surewise Lite starts at £3.80/month for basic theft and accidental damage. Comprehensive cover with breakdown and public liability is typically £8-£12.50/month.
Is there a cheaper alternative to specialist insurance?
Some home insurance policies include limited cover for mobility scooters, but this is usually restricted to theft from your property only. It does not cover you when out and about, and typically excludes accidental damage, public liability, and breakdown. Specialist insurance is almost always better value for the protection you receive.
Does insurance cost more for Class 3 scooters?
Slightly. Class 3 scooters can be used on roads, which increases the risk profile. However, the difference is typically only £10-£20 per year more than a Class 2 scooter of the same value. The bigger factor is the scooter's value, not its class.
Can I reduce the cost by accepting a higher excess?
With some providers, yes. A higher excess reduces the insurer's risk and can lower your premium. However, Surewise already offers zero excess as standard at their competitive prices, so accepting an excess elsewhere may not actually save you money compared to Surewise's zero-excess option.
Does my age affect the cost?
No. Unlike car insurance, mobility scooter insurance premiums are not age-related. All specialist providers have no upper age limit and do not increase premiums based on age. Whether you are 30 or 90, the cost is determined by your scooter's value and cover level, not your age.
Is breakdown cover worth the extra cost?
If you use your scooter regularly and travel more than short distances from home, breakdown cover is well worth the extra £15-£25/year. A single recovery callout without cover could cost £100-£200. Some providers like ETA and Mark Bates include it as standard. See our breakdown cover guide.
Sources
- Surewise - Mobility Scooter Insurance Pricing
- Fish Insurance - Mobility Scooter Cover
- ETA - Mobility Scooter Insurance
Last updated: January 2026
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