New-for-old vs market value
Used scooters
Bought used? You'll get market value
Second-hand scooters are easy to insure. What changes is the payout: new-for-old replacement is usually reserved for the first owner of a scooter that's only a couple of years old.
Updated 6 October 2026 · Figures sourced and linked| Provider | New-for-old rule |
|---|---|
| Fish Insurance | Theft under 2 years, accidental damage under 3 years, first owner only |
| Mark Bates Ltd Standard | Bought new and under 2 years old |
| Mark Bates Ltd Plus | Bought new and under 3 years old |
| CareCo Protect + Go | Essentials up to 2 years, Enhanced up to 3 years |
| First Senior | Powerchairs under 3 years old that can't be repaired |
| Surewise | Not stated on the product page; check the policy wording |
From provider product pages and policy documents, October 2026.
Compare
Set your used scooter's value
Public liability at least
Breakdown recovery
Scooter class
9 of 9 policies match
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.
Buying a used Class 3 scooter that's never been registered? See DVLA registration.
Questions
Straight answers
Can I insure a second-hand mobility scooter?
Yes. Surewise covers new and second-hand scooters and First Senior covers used ones. Others insure them too but usually pay market value on a claim.
Will I get new-for-old on a used scooter?
Usually not. Fish only gives new-for-old to first owners, for scooters under 2 years (theft) or 3 years (damage); otherwise it's market value. Mark Bates and CareCo require it to have been bought new.
What value should I insure a used scooter for?
Insure for what a similar scooter in similar condition would cost, because that's usually what a claim pays. Keep the receipt and photos of its condition.
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 Spot something out of date?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.
- 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
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.