Mobility Scooter Insurance.quest

Breakdown & recovery · checked October 2026

Stuck with a flat battery? Who comes

Mainstream breakdown services won't touch a mobility scooter. Specialist insurers either include recovery or sell it as an add-on, and the distance they'll take you varies from 20 miles to anywhere in the country.

Updated 6 October 2026 · Figures sourced and linked
Policies with breakdown included →
4Specialists with recovery included in the policySource: provider pages
25miETA recovery distance, in its £65 policySource: ETA
20miSurewise add-on and Fish Extra recovery radiusSource: Surewise
NoneAA or RAC breakdown cover for mobility scootersSource: RAC, accessed October 2026

How far

Recovery radius by provider

Most recovery takes you and your scooter home, to holiday accommodation or to a local repairer. The difference is how far. Mark Bates offers national 24/7 recovery; CareCo Essentials limits recovery to within 50 miles of home; ETA goes up to 25 miles; Surewise's add-on and Fish Extra cover 20 miles.

Fish Lite and Standard don't include a recovery service, but pay a get-you-home allowance of up to £100 per breakdown and £200 a year.

Mark Bates (Standard / Plus)National, 24/7
CareCo EssentialsWithin 50 miles of home
ETAUp to 25 miles
Surewise 24/7 add-on20 miles
Fish Insurance Extra20 miles

Bar lengths are illustrative of distance; "national" has no stated limit. From provider product pages and documents, October 2026.

Compare

Policies with breakdown included

Filtered to policies that include recovery. Switch the breakdown filter to "Don't mind" to see add-on options too, and open any policy for its exact breakdown terms.

Public liability at least
Breakdown recovery
Scooter class
5 of 9 policies match
Doesn't match: Breakdown not included
Doesn't match: Breakdown not included
Doesn't match: Not for scooters over £1,500 · Breakdown not included
Doesn't match: Breakdown not included

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.

Not covered

Why the AA and RAC say no

Breakdown clubs cover cars, vans and motorbikes. The RAC's scooter cover is for mopeds over 49cc and explicitly excludes mobility scooters. That's why specialist insurers build recovery into scooter policies.

Need it fixed, not just recovered? That's a warranty, sold separately. See also battery and theft safety.

AA and RACBreakdown cover excludes mobility scooters. The RAC says to use a specialist provider. 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.

Questions

Straight answers

Do the AA or RAC cover mobility scooters?
No. The RAC says mobility scooters aren't covered and suggests a specialist; AA terms exclude electric pavement vehicles and electric wheelchairs.
Which mobility scooter insurance includes breakdown cover?
Included: ETA (up to 25 miles), Mark Bates (24/7 national), Fish Extra (24/7, 20 miles) and CareCo Protect + Go (24/7 national, 3 claims a year). Add-on: Surewise (20 miles), Adrian Flux, First Senior.
Does breakdown cover pay to repair my scooter?
Generally no: it gets you and the scooter home or to a repairer. Repairing a mechanical or electrical fault is a warranty, which Fish and Mark Bates sell separately.
Is a flat battery covered?
It depends. ETA excludes flat-battery callouts at your home address. Mark Bates Plus and CareCo Enhanced add recovery for battery failure and punctures; the Standard and Essentials tiers don't.
I lease through Motability. Do I need breakdown cover?
No. A Motability lease includes breakdown assistance along with insurance and servicing.

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. RAC. Scooter and moped breakdown cover. accessed October 2026.
  2. The AA. Breakdown cover terms and conditions. accessed October 2026.
  3. Motability. How dealerships support you during your lease. 28 November 2022.
  4. Surewise. Mobility Scooter Insurance: product page and policy documents. Checked 6 October 2026.
  5. Fish Insurance. Mobility Scooter Lite: product page and policy documents. Checked 6 October 2026.
  6. Fish Insurance. Mobility Scooter Extra: product page and policy documents. Checked 6 October 2026.
  7. ETA. Mobility Scooter Insurance: product page and policy documents. Checked 6 October 2026.
  8. Mark Bates Ltd. Scooter & Powerchair Standard: product page and policy documents. Checked 6 October 2026.
  9. Mark Bates Ltd. Scooter & Powerchair Plus: product page and policy documents. Checked 6 October 2026.
  10. CareCo Protect + Go. Essentials / Enhanced: product page and policy documents. Checked 6 October 2026.
  11. Adrian Flux. Mobility Scooter Insurance: product page and policy documents. Checked 6 October 2026.
  12. 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.Theft prevention →The locking rules that decide whether a theft claim pays.Class 3 & DVLA registration →Check your scooter's class and what registration involves.