For a disabled person a mobility scooter can mean the difference between being trapped in their home or total independence to go out and about pretty much as they wish.
Mobility scooters offer life-changing liberation to people with disabilities. If you own one, you’ll know that being without it for any length of time doesn’t bear thinking about.
But losing your scooter is not the worst that could happen. If you are found to be responsible, or partly responsible, for causing an accident, then you could be deemed liable for costs running into many thousands of pounds.
Insurance for mobility scooters
Adrian Flux offers insurance for mobility scooters that is designed around your needs, and costs surprisingly little, rates start from around £5 a month. High quality insurance will protect you against costs that could amount to thousands, should the worst happen, and provide you with assistance when you need it.
We also offer car insurance for disabled drivers.
Benefits of mobility scooter insurance with Adrian Flux:
- Cover for all powered mobility equipment including mobility scooters, power chairs and electric wheelchairs. Adapted manual wheelchairs with equipment such as Alber e-fix or PDQ Power Trike attachments.
- Third party liability cover up to £2,000,000
- Mechanical Breakdown cover available as an option (includes get you home expenses, and the cost of hiring a replacement scooter)
- Extended theft cover available for mobility scooters kept outdoors
- Lost key cover available
- Cover for up to 60 days overseas use (some restrictions apply in USA and Canada)
Do I need mobility scooter insurance?
Mobility scooter insurance is not obligatory, but it is sensible to consider taking a policy to protect your prime asset and your interests.
The DVLA said: “Although it is not a legal requirement, it is strongly advised to have mobility scooter insurance. Suitable schemes are not too expensive and are available to cover your personal safety, other people’s safety and the value of the vehicle.”
Adrian Flux has a team of trained insurance underwriting experts, who are able to talk you through your options and assist you with a quotation with minimal hassle.
Who can drive a mobility scooter?
Government guidelines state that you can only use a mobility scooter if you:
- have difficulty walking due to an:
- physical disability
- medical condition
- are taking the mobility scooter to or from a maintenance or repair appointment
- are demonstrating the vehicle before it’s sold
- are training a disabled user on how to use it.
Which mobility scooters do you cover?
We cover a range of mobility scooters – sometimes known as invalid carriages – from those you can use on the road (class 3 scooters) to those that can only be used on pavements (class 2 scooters). If you haven’t purchased a scooter yet, see our blog for a round up of the best mobility scooters.
Do I need to take a test to get mobility scooter insurance?
Not necessarily, though if you have taken a course this could help reduce your insurance premiums. Find out more about the various safety courses available across the UK in our blog.