Mobility Scooter Insurance Comparison

Public liability cover protects you if you accidentally injure someone or damage their property while using your mobility scooter. Third party liability is a key part of public liability insurance, offering legal costs and compensation if you injure someone or damage property, with most policies providing £1 million to £3 million in cover. Cover typically ranges from £1 million to £5 million.

Accidental damage insurance helps cover the cost of repairs for collisions or mishaps resulting from an insured event, ensuring your scooter is protected if it is damaged during everyday use.

This protects your scooter if it is stolen or deliberately damaged, providing financial support for replacement or repairs. Your scooter is covered for theft and vandalism, but most policies require it to be locked when unattended and typically exclude wear and tear or reckless use. To reduce the risk of theft, it is also worth reading our guide on how to prevent theft of your mobility scooter, which explains practical steps you can take to improve security.

Some insurance policies also include coverage for replacement keys if they are lost or stolen, including locksmith services and key fob reprogramming. Specialised mobility scooter insurance is recommended for theft or damage occurring outside the home, as home contents insurance may not provide adequate protection.

Holiday cover protects you when travelling with your mobility scooter in the UK or abroad. Some insurance providers offer worldwide cover for up to 90 days when travelling abroad. Policies range from 21 to 90 days, depending on the provider. If your scooter is damaged by a baggage handler during air travel, the policy may compensate you up to the market value of the scooter, minus any amount received from the baggage handler.

Mobility scooter insurance is not legally required in the UK. However, it is strongly advised and highly recommended by various institutions, including official bodies such as the Department for Transport.

Without public liability insurance, you may be personally responsible for paying compensation if an accident occurs. Many users choose insurance to protect themselves financially and provide peace of mind.

Insurance is not legally required for either class, but public liability cover is highly recommended for both.

Class 3 mobility scooters, which are road-legal and have a maximum speed of 8mph, must be registered with the DVLA. When registering, you will receive a tax disc, which is ‘nil duty’—meaning no road tax is payable. Since October 2014, displaying the tax disc is no longer a legal requirement, but registration is still necessary for these scooters. Insurance is strongly advised for Class 3 scooters due to their use on public roads.

Most mobility scooter insurance policies have no age limit, making them accessible to users of all ages. However, a pre-existing medical condition may affect your eligibility or the coverage offered, so it is important to check policy details.

If you lease a scooter through the Motability Scheme, insurance is often included as part of the package.

Most policies cover both, but always check your policy wording for restrictions.

Yes, many providers offer combined mobility scooter and powerchair insurance policies. Insurance for a mobility device, such as a powered wheelchair, is available and provides similar protections as mobility scooter insurance, including coverage for accidents, theft and damages.

Many providers include breakdown cover as standard, offering 24/7 assistance and recovery if your scooter stops working.

Most policies include UK and limited overseas cover. Some insurance providers offer worldwide cover for mobility scooters, typically for up to 90 days when travelling abroad. Check the number of days and countries included.