Surewise Mobility Scooter Insurance Review
Independent review of Surewise's mobility scooter and powerchair insurance for UK owners
Last updated: January 2026
Quick Verdict: Surewise Mobility Scooter Insurance
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.
1. Surewise Overview
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.
Key Facts
Specialist mobility insurer
~£3.80/month
Class 2, Class 3, powerchairs
Up to £10,000
Up to £5 million
In-house
2. Cover Levels & What's Included
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.
Third Party Only
The most affordable option covering your liability to others.
- Public liability up to £5 million
- Personal accident cover
- No theft or damage cover
Comprehensive
Most PopularFull protection for your scooter and liability cover.
- Theft cover (at home and away)
- Accidental damage
- Fire and malicious damage
- Public liability up to £5 million
- Personal accident cover
Comprehensive Plus
Maximum protection with all extras included.
- Everything in Comprehensive
- Breakdown cover included
- Hire scooter while yours is repaired
- Worldwide travel cover
- Accessories and modifications cover
3. Pricing & Value for Money
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.
4. Claims Process
Surewise handles claims in-house, which typically means faster processing compared to providers who outsource claims management to third parties.
How to Make a Claim
- 1Report theft to the police and obtain a crime reference number (for theft claims)
- 2Contact Surewise's claims team by phone or through your online account
- 3Provide photos of damage (if applicable) and any supporting documentation
- 4Surewise assesses the claim and arranges repair or replacement
Most straightforward claims (accidental damage, theft with police report) are processed within a few working days. Complex claims involving liability may take longer.
5. Pros & Cons
Pros
- Competitive pricing from £3.80/month
- Specialist mobility equipment insurer
- In-house claims handling
- Covers Class 2, Class 3, and powerchairs
- Quick online quote process
- Monthly payment options available
- £5 million public liability as standard
Cons
- Breakdown cover costs extra on standard plans
- Maximum scooter value limited to £10,000
- Excess applies on all claims
- Phone support hours may be limited
- No multi-scooter discount mentioned
6. Who Is Surewise Best For?
Budget-conscious owners
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.
Class 3 road-legal scooter users
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.
First-time scooter owners
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.
Powerchair and electric wheelchair owners
Surewise is one of the few providers that specifically covers electric wheelchairs and powerchairs alongside mobility scooters.
7. How Surewise Compares
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.
8. How to Get a Quote from Surewise
Getting a quote from Surewise takes just a few minutes online. Here is what you will need.
Information You'll Need
- Scooter make, model, and year
- Purchase price or current value
- Whether it is Class 2 or Class 3
- Where the scooter is stored overnight
- Any modifications or accessories
- Your postcode
9. Frequently Asked Questions
How much does Surewise mobility scooter insurance cost?
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.
Does Surewise cover Class 2 and Class 3 scooters?
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.
What does Surewise cover?
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.
Can I insure a second-hand scooter with Surewise?
Yes. Surewise covers both new and second-hand mobility scooters. Cover is based on current market value rather than the original purchase price.
Does Surewise offer breakdown cover?
Yes. Breakdown cover is available as an optional add-on on standard plans, or included as standard with Comprehensive Plus.
Is there an age limit for Surewise cover?
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.
Compare Surewise with Other Providers
Surewise is a strong choice, but it is worth comparing quotes from multiple specialist providers to find the best deal for your situation.