What is Powered or Electric Wheelchair Insurance?

Your Electric Wheelchair keeps you on the move and helps enable your freedom. It can give you the lift and boost that you need. But the use of your Powerchair, often in busy pedestrian areas, is not without risk.

At Blue Badge Mobility Insurance we understand how crucial your electric wheelchair is to your everyday life. We are focused on keeping you moving and giving you full peace of mind as you use your Powerchair. Our Electric Wheelchair Insurance is great for wheelchair users and has been created to give you the reassurance that should the unexpected happen you’ll have the protection and coverage you need.

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1. Personal details

Contact Permission

If you would like to receive the latest offers on selected financial and related products and services from Blue Badge Mobility Insurance, please choose how you would like us to contact you:

2. Powerchair 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 powerchair insurance policy in the last 2 years
2) I have never been refused mobility insurance
3) Your powerchair 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

Powerchair 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 powerchair breaks down, or if after an insured event your powerchair is unusable, we have a recovery service which will recover you and your powerchair 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 powerchair 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 powerchair 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

Our standard policy covers:

  • Up to £2 Million Public Liability insurance
  • Theft, Damage or Loss of your Powerchair
  • 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 Powerchair with your permission
  • Accidental damage to your Powerchair including theft and vandalism
  • Replacement of your Powerchair if we are unable to repair it
  • Using your Powerchair abroad for up to 90 days
  • Serious Injuries to you while using your Powerchair
  • 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 Powerchair breaks down, or if after an insured event your Powerchair is unusable, we have a recovery service which will recover you and your Powerchair and return it to your chosen destination within a 20 mile radius of breakdown.

    Recovery Service If your Powerchair breaks down, or if after an insured event your Powerchair is unusable, we have a recovery service which will recover you and your Powerchair 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 Powerchair up to a limit of £100.
  • Puncture Insurance

    If your Powerchair 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.
  • Key Insurance

    f 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

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  • -
    Do I need to have electric wheelchair insurance?
    No, there is no law that states you must have electric wheelchair 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
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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)
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    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.
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    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.
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    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).
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    Can you advise me what cover I need?
    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).
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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)*
  • -
    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.
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    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 a specialist golf buggy insurance.
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    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 one you currently have.
  • -
    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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