What is Mobility Scooter Insurance?

Mobility Scooters provide independence and freedom for an increasing number of people. They are seen by many owners as essential to maintaining quality of life. But the use of scooters, often in busy pedestrian areas, is not without risk.

At Blue Badge Mobility Insurance we understand how crucial your scooter is to your everyday life. We are focused on keeping you moving and giving you peace of mind as you use your Scooter. We have designed our affordable insurance for mobility scooters to cover you, your scooter and those around you. We also offer optional extras, including puncture insurance, breakdown cover and key insurance.

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1. Personal details

Contact Permission

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2. Scooter Details

£

Cannot be used on roads

Can be used on roads and DVLA registered

Can you confirm the 3 statements below?

1) I have not made any claims on a mobility scooter insurance policy in the last 2 years
2) I have never been refused mobility insurance
3) Your scooter is not capable of travelling over 8 MPH

If you cannot agree to ALL of the above statements please call us on 01730 233 101

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3. Type of Cover

Mobility Scooter Insurance Options

Our outstanding value Mobility Insurance includes Accident, 3rd Party Liability and Loss or Theft.

We also offer a number of extensions to the cover which you can add below

Optional Add ons

If your Mobility Scooter breaks down, or if after an insured event your Mobility Scooter is unusable, we have a recovery service which will recover you and your Mobility Scooter and return it to your chosen destination within a 20 mile radius of breakdown. If you choose not to use the recovery service, we will refund costs incurred by you to get you and your scooter up to a limit of £100.

If your key is accidentally lost, damaged or stolen, we will pay up to £1,000 in respect of: A) Locksmiths charges, new locks (if a security risk has arisen) B) Replacement keys C) Re-programming of immobilisers, infra-red handsets and alarms.

If your Mobility Scooter suffers from a puncture we will cover the cost of fixing the puncture up to a value of £50 as long as a receipt is provided.

4. Secure Payment

Your Quote - The price for 1 years insurance is

£0.00

Includes Insurance Premium tax at the current rate

Terms and conditions

We want you to know exactly how our service works and why we need your registration details. Please state that you have read and agreed to these terms before you send your message.

Please confirm that you have read and agree to the terms and conditions

Your Quote - The price for 1 years insurance is £0.00

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Benefits of this policy

  • Up to £2 Million Public Liability insurance
  • Theft, Damage or Loss of your scooter
  • 90 Days Holiday Cover
  • Loss or theft of personal effects
  • Optional Recovery Service
  • Optional Puncture/Key cover

What's covered

Standard Policy

  • Public liability up to £2 Million for injury or damage to property
  • Cover for you and anyone using your Mobility Scooter with your permission
  • Accidental damage to your Mobility Scooter including theft and vandalism
  • Replacement of your Mobility Scooter if we are unable to repair it
  • Using your Mobility Scooter abroad for up to 90 days
  • Serious Injuries to you while using the Mobility Scooter
  • Loss or theft of personal effects
  • This Policy does not cover Mechanical Breakdown.
  • There is an excess to pay for claims under the public liability and accidental damage sections

Optional Extras

  • Recovery Service

    If your Mobility Scooter breaks down, or if after an insured event your Mobility Scooter is unusable, we have a recovery service which will recover you and your Mobility Scooter and return it to your chosen destination within a 20 mile radius of breakdown.

    If you choose not to use the recovery service, we will refund costs incurred by you to get you and your scooter up to a limit of £100.
  • Puncture Insurance

    If your Mobility Scooter suffers from a puncture we will cover the cost of fixing the puncture up to a value of £50, as long as a receipt is provided for the puncture repair.
  • Key Insurance

    If your key is accidentally lost, damaged or stolen, we will pay up to £1,000 in respect of:
    a) Locksmiths charges, new locks (if a security risk has arisen)
    b) Replacement keys
    c) Re-programming of immobilisers, infra-red handsets and alarms

Get a Quote

  • -
    Do I need to have 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.
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    Can use my scooter on the road?
    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)
  • -
    Can I have a Blue Badge?
    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.
  • -
    Do I need to take a test to use a Mobility Scooter?
    You do not need take a test or have a driving license to use a mobility scooter.
  • -
    Can you insure me if I have a pre-existing medical condition?
    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 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).
  • -
    Can you advise me what cover I need?
    We are not able to provide advice about what cover you need, we can only explain what is in our policy and what is covered, and answer any questions you may have. We are happy to send you a copy of our policy documents so you can read through the policy and see if it meets your needs. If you opt to take out the policy and then change your mind, or decide the cover doesn’t meet your needs, you will have a 14 day cooling off period where you can cancel the policy and get a full refund.
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    I’ve got a manual wheelchair with powered wheels/powered attachment, can you insure it?
    Yes, we can cover manual wheelchairs and powered attachments under one policy as a Powered Wheelchair, as long as the powered wheels/attachments don’t go faster the 8mph, and as long as the combined value of the chair and the wheels/attachment doesn’t exceed £7,000 in value. The wheelchair will be covered for using both with and without the wheels/attachment. *(PLEASE NOTE – WE CANNOT INSURE THE BATEC ELECTRIC OR THE BATEC RAPID ATTACHMENTS DUE TO THEIR TOP SPEEDS)*
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    I’ve got a wheelchair I use for playing sports, can you insure it?
    Yes, we can insure your wheelchair, but it wouldn’t be covered whilst you are actually playing the sport. You would be covered for your Public Liability and Theft and Accidental damage, but if the chair was damaged or if there was a liability claim as a result of the sporting activity then that wouldn’t be covered.
  • -
    I’ve got a Golf Buggy I use a Mobility Scooter, can you insure it?
    As long as the Golf Buggy complies with regulations of the Class 3 Scooters on the gov.uk website and as long as it as being used at a Mobility Aid we can cover it. It will not be covered for using whilst playing golf or whilst on the golf course. If you need cover for it being used a Golf Buggy you will need specialist golf buggy insurance.
  • -
    I’ve got a Tandem/Two Seater Mobility Scooter, can you insure it?
    As long as the scooter complies with regulations of the Class 3 Scooters on the gov.uk website and as long as it as classed as a Mobility Scooter we can cover it however, the policy would not cover anyone travelling on the scooter a passenger. *(PLEASE NOTE – WE CAN NO LONGER INSURE THE TRYDAN SCOOTER TECH TANDEM SCOOTERS AS IT STATES ON THEIR WEBSITE IT IS NOT A MOBILITY SCOOTER www.scootertech.co.uk)*
  • -
    My chair was provided by the NHS Wheelchair Service, can you insure it?
    Yes, we can provide cover for wheelchairs provided by the NHS. If you need cover for theft and accidental damage then we will need to know an approximate value of the wheelchair. If you can contact the wheelchair service and ask them how much the chair is worth, or alternatively you can look online and see how much the make and model are being sold for.
  • -
    I’m going to be renting a scooter, can you insure it?
    We can insure rented scooters, but we only offer an annual policy, we don’t offer any short term insurance, so you would need to purchase a policy for the year. Our prices start from £46 for the year for a scooter that is under £3,000 and we would need to know the make, model and value of the scooter in order to insure it for you.
  • -
    My scooter is over 2 years old, if it’s stolen will you give me a new one?
    We offer a New for Old Replacement, up until the scooter is 2 years old. Once the scooter is over 2 years old, we would then do a like for like replacement, so in the event that your scooter was stolen or written off, our claims team would look to replace your scooter with one of a similar age, make and model to the one you currently have.
  • -
    Who do I call for the recovery service?
    You can call the Recovery Service on 01730 233 101 and press option 2. This will take you straight through to the 24/7 Helpline at National Breakdown. You should receive a sticker with your documents that will have this phone number on.
  • -
    How long will it take for the recovery service to get to me?
    The recovery team will aim to get to your location within 1 hour, but as a mobility user you do get their top priority on their call outs.
  • -
    Is there a limit to how far the recovery service will take me?
    The recovery team operate throughout the whole of the UK. They can take you anywhere you’d like to go within a 20 mile radius of where you’ve broken down. In the event that you needed to go further than 20 miles, they can do this, but there would be an additional charge per mile that you would need to pay directly to National Breakdown, as it would not be included in your breakdown cover.
  • -
    Is there a maximum number of times I can use the recovery service?
    Yes in our breakdown cover, the recovery is limited to 4 call outs per year.
  • -
    Will the recovery service take dogs?
    Yes, but it is at the discretion of the driver so you will need to advise National Breakdown that you will need transport for a pet too.
  • -
    Do I have to use National Breakdown?
    No, we provide you with National Breakdown, who have a 24/7 helpline for you to use, however if you wish to use an alternative company you may do so, but you would need to pay the alternative company for their services and then claim the money back from us. (Maximum of £100 per claim).
  • -
    I can’t travel in the recovery vehicle, what happens then?
    If you are unable to travel in the recovery vehicle then a taxi can be arranged for you. If you are not easily able to transfer from your scooter/wheelchair into a taxi, then a wheelchair accessible vehicle can be arranged for you, but you would need to let the recovery team know this when you call to request assistance.
  • -
    Will the recovery service fix my scooter?
    No, the recovery service is just a rescue service to get you home in the event that your scooter stops working, they don’t carry out any repairs to you scooter.
  • -
    Do I need to give my policy number to get recovered?
    No, the recovery service should be able to locate your details on their system using your postcode.
  • -
    Can I pay by direct debit?
    At present we do not have a direct debit facility available so we would take the full payment at the start of the policy with either a debit or credit card.
  • -
    Is there a charge for paying with a debit/credit card?
    No, there are no charges for paying with a debit or credit card.
  • -
    Can I pay by cheque?
    Yes, you can pay by cheque, please make it payable to Blue Badge Mobility Insurance or ‘BBMI’ and post it to us: No 7 Ridgeway Office Park, Bedford Road, Petersfield, Hampshire. GU32 3QF.
  • -
    I don’t have a bank account/card how can I pay?
    We can accept postal orders which you can get from the Post Office (the post office do charge a 12.5% fee for postal orders) or someone else can pay for the policy on your behalf, but we will need to speak to the card holder at the time of the sale to confirm they are happy for us to process the payment.
  • -
    Will my policy automatically renew next year?
    No, we do not store any card details on our system. We will write to you about 21 days before the policy is due for renewal. If you would like to renew your policy, you will need to contact us to make a payment.

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