Mobility Scooter Insurance

No, there is no law that states you must have mobility scooter insurance. Many people do opt to take out insurance to protect themselves against 3rd Party Claims (if you injure someone or damage someone’s property) and to protect against theft or accidental damage to their scooters, but it is not compulsory or a legal requirement.

There are two different types of Scooters, Class 2 Scooters that go up to 4mph and Class 3 Scooters that go between 4mph and 8mph. The Class 3 scooters can go on the road and have to be registered with the DVLA. You can find more information on the government website, www.gov.uk and typing ‘invalid carriage’ into the search bar. (www.gov.uk/mobility-scooters-and-powered-wheelchairs-rules)

We are Blue Badge Mobility Insurance, we provide insurance cover for Mobility Scooters and Wheelchairs. You would need to contact your local council authority for Blue Badge disabled parking.

You do not need to take a test or have a driving license to use a mobility scooter.

Our policy states that “You must ensure that you or any friend using the scooter or wheelchair are capable of doing so safely” If you have been advised by a medical practitioner that you shouldn’t be using a mobility scooter then it could invalidate a claim. There are very few regulations around mobility scooter safety, but you can find some guidelines online on the government website, www.gov.uk and by typing ‘invalid carriage’ into the search bar. (www.gov.uk/mobility-scooters-and-powered-wheelchairs-rules). There is no legal eyesight requirement to drive mobility scooters or powered wheelchairs, but you should be able to read a car’s registration number from a distance of 12.3 metres (40 feet).

Yes, you can leave your scooter unattended for up to 1 hour. If it is left unattended for more than 1 hour it either needs to be; in a locked building, in a locked vehicle or chained to an immovable object with a padlock and chain

Anyone who needs a mobility scooter and can use it safely can drive one, and you don’t need a driving licence or a test. The legal minimum age is 14 for a Class 3 road scooter, while Class 2 pavement scooters have no minimum age. Our policy requires you, or anyone riding it, to be capable of using it safely, and other riders need your permission.

We cover Class 2 pavement scooters (up to 4mph) and Class 3 road-and-pavement scooters (up to 8mph). The same policy wording also covers powered and manual wheelchairs. We do not cover Golf buggies and similar vehicles, as these aren’t classed as mobility scooters in law.

Standard cover doesn’t include mechanical breakdown, but our optional Recovery Service will take you and your scooter to your chosen destination within a 20-mile radius of the breakdown. If you choose not to use our service, we’ll refund the costs of getting you and your scooter home, up to £300. It also applies if your scooter is unusable after an insured event.

Yes. Your mobility scooter is covered when you use it abroad for up to 90 days. Holiday cover protects your scooter, not your health, so you’ll still need separate travel insurance for medical costs and cancellation. If you’re flying, tell the airline about your scooter and note its condition when you hand it over.

Tell us as soon as possible, and within 31 days of any incident likely to lead to a claim. Call the claims team on 01268 200 020 (9am-5pm Monday to Thursday, 9am-4pm Friday) or email claims@surewise.com with your policy number. Have photos of the damage, proof of purchase and, for theft or vandalism, a police crime reference number. Don’t repair or dispose of the scooter until it has been assessed.

If you own a Class 2 or Class 3 mobility scooter and can use it safely, you can apply for cover. We’ll ask for the scooter’s details and proof of purchase. If you’re under 18, we use a parent or guardian’s contact details on the policy. If a medical professional has advised you not to use a scooter, it could affect a claim. There is also no upper age limit on applying for mobility scooter insurance.

We can accept the original manual that came with the scooter, a photo of the scooter, or a receipt or invoice from the person or shop you bought it from. This is helpful if your scooter is second-hand and you don’t have the original receipt. You’ll also need proof of purchase if you make a claim.

Only Class 3 scooters (road-legal, up to 8mph) must be registered with the DVLA. Class 2 pavement scooters don’t need registration. Registered scooters pay no vehicle tax, and since October 2014 you no longer have to display the tax disc. If the DVLA asks you to tell your insurer the registration number, we can add it to your policy notes.

Anyone can ride your scooter as long as you’ve given them permission and they’re legally allowed to use it. You don’t need to contact us to add other riders to your policy. The policy requires them to be capable of using the scooter safely.

The only age rules are the legal ones: you must be 14 or over to ride a Class 3 scooter, while Class 2 scooters and standard powered wheelchairs have no minimum or upper age limit. If the rider is under 18, we use a parent or guardian’s contact details on the policy.

No. You don’t need a driving licence or to take a test to ride a mobility scooter on the road or pavement. Class 3 scooters must be registered with the DVLA and you must be 14 or over. There’s no legal eyesight test, but you should be able to read a car number plate from 12.3 metres (40 feet).