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.

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1. Personal details

Contact Permission

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2. Scooter Details

£

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.

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Includes Insurance Premium tax at the current rate

Terms and conditions

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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.

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.
  • 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

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  • -
    Do I need to have insurance?
    No, there is no law that states you must have 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 should 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?
    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 £10,000 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.
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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.
  • -
    Is my scooter covered if I leave it unattended?
    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
  • -
    Is my scooter covered if it’s stored in my car?
    Yes, while your scooter is in the car it will be covered for theft and accidental damage.
  • -
    Is my scooter covered on holiday?/I’m taking my scooter on a cruise, am I covered?
    Yes, the policy includes up to 90 days cover outside the UK for public Liability and Accidental damage. We are not able to cover your Public Liability in North America and Canada. You will still covered for theft and accidental damage in North America and Canada)
  • -
    My scooter is chained up outside overnight, is it covered if someone vandalises it?
    Our policy will cover you for theft of your scooter, but if it is left outside for more than 12 hours or overnight we are not able to cover it for damage.
  • -
    My scooter has a canopy/cover, is this covered?
    Yes, we would look to cover any theft or accidental damage to a canopy or cover for your scooter, but only if the scooter is damaged or stolen at the same time. You need to state that you have a canopy when taking out the insurance
  • -
    Does my scooter need to be regularly serviced for the insurance to be valid?
    No, there is nothing in our policy that states you must have your scooter serviced. It just states that “You must maintain your scooter or wheelchair in good condition and take all precautions to prevent accidents, injury, loss or damage. You must use and maintain your scooter or wheelchair according to the manufacturer's instructions”
  • -
    Does the insurance cover my batteries?
    Our Standard Insurance covers Theft and Accidental Damage, it doesn’t cover if your scooter just stops working. We do offer an Extended Warranty for scooters under 5 years old, which covers for mechanical and electrical faults, but unfortunately this doesn’t cover wear and tear of the batteries.
  • -
    Who does the repairs to my scooter?
    We let our customers choose any reputable Mobility Shop or Engineer to carry out repairs to their scooters. We don’t have a list of repairers, but if you don’t know anyone to do the repairs we can look online and find two or three phone numbers of local repairers.
  • -
    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.
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    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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