Older riders

No upper age limit at the specialists

Q: Is there an upper age limit on mobility scooter insurance?

Not at the main specialists. Surewise says there are no age limits and Fish Insurance says its policies have no age limit. Mark Bates doesn't publish one. ETA's minimum age is 18.

Q: Is Age UK or Saga home insurance a good alternative for over 65s?

It can work for a Class 2 scooter kept at home. Age Co home insurance can include a scooter as a personal belonging, and Saga's can cover a scooter not registered for road use if specified. Neither covers Class 3 road scooters, and you should check liability and cover away from home.

Q: Can my family member ride my scooter on my policy?

Some policies cover more than one rider. Surewise covers multiple riders and Fish Insurance offers any-user cover. ETA covers you on multiple scooters and offers a discounted couples policy.

Unlike car insurance, mobility scooter cover doesn't get harder to buy as you get older. The main specialists set no upper age limit, and some cover a partner or carer riding the same scooter.

Updated 6 October 2026 · Figures sourced and linked

Compare providers →

NoneUpper age limit at Surewise and Fish InsuranceSource: Surewise

18+ETA's only age rule: a minimum ageSource: ETA

1994Mark Bates has specialised in cover for older and disabled customers sinceSource: Mark Bates

Compare

Specialist cover, any age

Your scooter's value£2,000

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.

Over-60s brands

Age UK and Saga, checked

Over-50s and over-60s brands come up a lot in searches. Neither sells a standalone scooter policy, but their home insurance can cover a pavement scooter. Details: Age UK · Saga.

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 ↗

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

Is there an upper age limit on mobility scooter insurance?

Not at the main specialists. Surewise and Fish say they have no age limit, and Mark Bates publishes none. ETA's only age rule is a minimum of 18.

Is Age UK or Saga home insurance a good alternative for over 65s?

For a Class 2 scooter, possibly. Age Co can include it as a personal belonging; Saga covers a scooter not registered for road use if you specify it. Neither covers Class 3. Check liability and cover away from home.

Can my family member ride my scooter on my policy?

Often. Surewise covers multiple riders, Fish offers any-user cover, and ETA has a discounted couples policy.

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.

Age Co. Home insurance for over 60s. accessed October 2026.
Saga. Home insurance for over 50s. 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

Age UK →What Age Co home insurance does and doesn't cover.Saga →Saga home insurance and mobility scooters.Compare providers →Nine policies side by side, filtered to your scooter.Do you need insurance? →What the law says, and when cover makes sense anyway.