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Independent review of Surewise's mobility scooter and powerchair insurance for UK owners
Last updated: January 2026
Surewise is one of the UK's leading specialist mobility scooter insurers, offering cover from around £3.80/month. They provide comprehensive protection including theft, accidental damage, and up to £5 million public liability. Their straightforward online quoting makes getting cover quick and easy.
Best for: Owners wanting affordable comprehensive cover from a specialist provider with a proven track record.
Surewise is a UK-based specialist insurer focused exclusively on mobility equipment. Unlike general insurers who offer scooter cover as an afterthought, Surewise has built their entire product range around the needs of mobility scooter and powerchair owners.
They offer cover for Class 2 scooters, Class 3 road-legal scooters, powerchairs, and electric wheelchairs. Their policies can be tailored with optional extras and they handle claims in-house rather than outsourcing to third parties.
Specialist mobility insurer
~£3.80/month
Class 2, Class 3, powerchairs
Up to £10,000
Up to £5 million
In-house
Surewise offers tiered cover levels so you can choose the right balance of protection and cost. All policies include core cover with options to add extras.
The most affordable option covering your liability to others.
Full protection for your scooter and liability cover.
Maximum protection with all extras included.
Surewise positions itself as one of the more affordable specialist providers. Here is a guide to typical pricing based on scooter value.
| Scooter Value | Third Party | Comprehensive | Comprehensive Plus |
|---|---|---|---|
| Up to £1,000 | ~£3.80/mo | ~£5.50/mo | ~£7.50/mo |
| £1,000 – £3,000 | ~£3.80/mo | ~£7.00/mo | ~£9.50/mo |
| £3,000 – £5,000 | ~£3.80/mo | ~£9.00/mo | ~£12.00/mo |
| £5,000 – £10,000 | ~£3.80/mo | ~£12.00/mo | ~£16.00/mo |
*Prices are approximate and based on available information as of January 2026. Actual quotes may vary based on individual circumstances. Get an exact quote from Surewise directly.
Compared to other specialist providers, Surewise's pricing is competitive, particularly for lower-value scooters. See our full cost guide for a broader comparison.
Surewise handles claims in-house, which typically means faster processing compared to providers who outsource claims management to third parties.
Most straightforward claims (accidental damage, theft with police report) are processed within a few working days. Complex claims involving liability may take longer.
If you want decent cover without paying a premium, Surewise's third party option from £3.80/month is among the cheapest available from a specialist provider.
If you use your scooter on roads, public liability cover is particularly important. Surewise's £5 million public liability gives good peace of mind for Class 3 users.
The straightforward online process and clear cover levels make Surewise a good choice if you have not insured a scooter before and want a hassle-free experience.
Surewise is one of the few providers that specifically covers electric wheelchairs and powerchairs alongside mobility scooters.
Here is how Surewise stacks up against other UK specialist mobility scooter insurers.
| Provider | From | Public Liability | Breakdown |
|---|---|---|---|
| Surewise | ~£3.80/mo | £5M | Optional |
| Fish Insurance | ~£5.00/mo | £5M | Included |
| Mark Bates Ltd | ~£4.50/mo | £2M | Optional |
| Ripe Insurance | ~£4.00/mo | £1M | Not available |
For a detailed breakdown of all UK providers, see our full comparison page.
Getting a quote from Surewise takes just a few minutes online. Here is what you will need.
Surewise cover starts from approximately £3.80 per month for third party only. Comprehensive cover typically costs £5.50–£12 per month depending on your scooter's value.
Yes. Surewise covers both Class 2 (pavement only, up to 4mph) and Class 3 road-legal scooters (up to 8mph). They also cover powerchairs and electric wheelchairs.
Depending on your plan: theft, accidental damage, fire, malicious damage, public liability (up to £5M), personal accident, breakdown (optional or included), hire scooter costs, worldwide travel, and accessories.
Yes. Surewise covers both new and second-hand mobility scooters. Cover is based on current market value rather than the original purchase price.
Yes. Breakdown cover is available as an optional add-on on standard plans, or included as standard with Comprehensive Plus.
Surewise does not impose an upper age limit on their mobility scooter insurance policies. They are a popular choice for over-65s who may find other insurers less accommodating.
Surewise is a strong choice, but it is worth comparing quotes from multiple specialist providers to find the best deal for your situation.