What's included
Cover levels, as standard
Surewise publishes these limits on its product page. Loss or damage is covered up to your scooter's value, including theft, vandalism, fire, storm and flood, as long as it's locked when stored.
Provider review · checked 6 October 2026
Surewise: no excess, recovery extra
Surewise is one of the biggest names in UK scooter cover. It says it has insured over 140,000 scooters. Here's what its policy includes, what costs extra, and how it compares.
Updated 6 October 2026 · Figures sourced and linked| Loss or damage | Up to your scooter's value |
| Public liability | Up to £2,000,000 |
| Personal accident | Up to £3,000 |
| Personal effects | Up to £350 |
| Personal assault | Up to £350 |
| Hospital benefit | Up to £350 |
| Scooter hire during repairs | Up to £25 a day |
| Recovery after an insured event | Up to £150 |
| Cover abroad | 90 days a year, excluding North America |
| Excess | None |
Source: Surewise mobility scooter insurance, checked 6 October 2026. See the policy wording for exclusions.
Verdict
Strong on simplicity
Strengths
- No excess, no admin or cancellation fees, pro-rata refunds
- No age limits and multiple riders
- Covers Class 3, second-hand scooters and wheelchairs
- Covered locked in your car, or unlocked outside a shop for up to an hour
- 90 days abroad a year
Watch for
- 24/7 recovery is an add-on, and limited to 20 miles
- £2m liability, against £5m at Mark Bates Plus
- No cover in North America
- Must be locked while stored for theft cover
- The starting price is for the cheapest scooters; yours is priced on value
Surewise vs others
How it compares
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.
Questions
Straight answers
How much is Surewise mobility scooter insurance?
From £3.80 a month or £38 a year paid annually. Surewise says you only need your scooter's value for a quote.
Does Surewise charge an excess?
No. Surewise says there's no excess on claims, no admin or cancellation fees, and pro-rata refunds.
Does Surewise include breakdown cover?
Not as standard. It pays recovery costs after an insured event up to £150; 24/7 recovery within 20 miles is an add-on. ETA and Mark Bates include recovery. See breakdown cover.
Does Surewise cover Class 3 scooters?
Yes. Surewise lists Class 3 scooters alongside portable and Class 2 scooters and manual and powered wheelchairs.
Who underwrites Surewise mobility scooter insurance?
The Salvation Army General Insurance Corporation (Sagic). Surewise is Sure Wise Ltd, FCA firm reference 618327.
Is Blue Badge mobility insurance now Surewise?
Surewise says Blue Badge mobility cover is now provided by Surewise.
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.
- Financial Conduct Authority. Financial Services Register. 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
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.Breakdown cover →Who recovers you, how far, and why the AA and RAC won't.Cheapest cover →The lowest published prices, and what you give up for them.