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Insuring a Mobility Scooter

By: Jonathan Webb - Updated: 20 Oct 2017 | comments*Discuss
 
Mobility Scooter Scooter Insurance

At present, unlike car drivers, users of mobility scooters are not required to take out insurance before they can drive them. This is presuming that , like mobility scooter users, you only plan to drive on the pavement and don't use it on the public highway. It may, however, be worth considering the possibility of taking out third party insurance in case of accident or injury to other pavement users or damage to property, caused by your driving. It is also worth thinking about insuring the mobility scooter itself against damage and theft.

If you were to hit someone, or damage someone's property, in your mobility scooter your insurance will probably pay for your defence, if it was to go to court, and the resultant damages. As ever, you should always confirm exactly what is covered, preferably in writing, with the company you are insured with. That way you can avoid any misunderstandings in the future.

What Is Covered

The cost of repairs, and even the cost of replacing the scooter itself if is too badly damaged, will probably be covered by your insurance policy. Some insurance companies will also ensure that you and your mobility scooter get home safely in the event of you breaking down or being involved in an accident. This can be on a 24 hour 365 days a year basis. You should always confirm this with your insurance company before taking out a policy, so you know what you area and are not covered for.

Often the insurance policy for the recovery service will only usually cover a limited radius from the place which is the registered address of the mobility scooter.

Policy Limitations

There is usually a limit to the number of breakdown calls a mobility scooter user can make during the year. Typically this is around four times. Should you exceed this number of call outs, it is possible that the insurance company could cancel your insurance cover and, even if there is still a few remaining months left on your insurance policy, not offer you a refund for the time remaining. It is important to check this out before taking out the policy and to also ensure that your mobility scooter is maintained, so as to avoid regular break downs.

Most insurance policies will only cover you for the mobility scooter that you insured when the policy commenced, so if you decide to change mobility scooters part way through your policy it is very important that you let your insurance company know of the change in details.

It is also possible that you will not be able to make a claim on the recovery service policy for 48 hours after it commences. Should you find yourself in difficulty and your mobility scooter is covered in mud, snow, sand or water there is a possibility that you will not be covered under your insurance policy, as is if you happen to lose the keys to your mobility scooter.

It is vital that you check your insurance policy in detail.

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We are also going to the USA Florida for a two week holiday in Nov 2017 & were surprised our pavement mobility scooter worldwide insurance did not cover third party liability in the USA & Canada, but will cover anywhere else. We are taking our own scooter with us & tried to find a mobility insurance company that would cover the USA, but non will. I then went on forums to find if any other people had the same problem & there are many others with the same problem & one mentioned that LV cover third party liability for mobility scooters worldwide including the USA in their travel insurance policy. We do not have travel insurance with them but do have contents insurance, which covers personal possessions overseas, which also covers personal liability for pavement mobility scooters worldwide including the USA for up to 60 days per year. Hope this helps Rog
Rog - 20-Oct-17 @ 4:23 PM
I suppose this is the wrong venue to ask this question but where can I get mobility scooter insurance in the U.S.A.? there are only two places listed online neither are in the country I live in. Any suggestions?
Old Crone - 16-May-17 @ 9:13 PM
@heidihawkinsuk - The UK has a completely different electrical standard, voltage, frequency and plug type to the US. It is also very important the device is used within the voltage range it was designed for. You could try and source a voltage converter and check with your supplier to see where best to source one. I hope this helps.
DisabledTravelAdvice - 13-Jul-15 @ 12:27 PM
I also am taking my Pride Apex Rapid scooter to America with me this month and just assumed that my adapter would do the job in charging it for me whilst over there. Is that not the case?
heidihawkinsuk - 10-Jul-15 @ 2:25 PM
@Fran - would it not be easier to hire one while you are out there? Be warned the voltage output systems are different in the USA from UK, so you may find you get it all the way there and you have problems starting it up or re-charging it. Please do some research into this first, before you make a full and final decision.
DisabledTravelAdvice - 14-Apr-15 @ 1:47 PM
I want to take my scooter to America for 3 weeks.Is there any insurance I can get to cover me while there
Fran - 11-Apr-15 @ 4:23 PM
Reply to Sue - just charge the battery every 2 weeks. Regarding insurance, I wanted just third party cover for when out and about, (class 2 scooter).Lowest quote was £59.Found that my house contents policy (£44) covered me!To be sure I asked them the question "If I had a blameworthy accident while out shopping would I be covered for a third party claim" and they replied in writing "Yes".
Doug - 27-Oct-14 @ 1:32 PM
I don't use my scooter very often is this bad for the scooter. Will it extend the life of the scooter or is it bad for it?
sue - 17-Sep-14 @ 5:57 PM
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