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Mobility Scooter Insurance
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Is Mobility Scooter Insurance required?
Under current legislations there is no requirement for a user of mobility scooters to hold mobility scooter insurance, in the same way that a car user is legally required to hold adequate insurance. However, that said users should consider taking out at least third party insurance to cover any potential claims that could be made should the user cause injury of damage to persons or property. Careful consideration should also be given to taking our adequate insurance to cover the scooter itself against damage, theft etc. Scooters can be expensive to purchase and the peace of mind and financial benefits to being insured can be a worthwhile investment.
The DVLA make the following comments with reference to mobility scooter insurance:
"Although it is not a legal requirement, it is strongly advised to have 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."
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Types of Mobility Scooter Insurance
The insurance can be divided into two areas:
- The scooter
- Third party
The Scooter
Cover for the scooter usually protects you against the cost of repairs to, or replacement of your mobility product in the event of an accident. Some policies also cover or will pay towards the recovery costs of getting you and your mobility product home following an accident or breakdown.
Third Party
If you accidentally collide into anyone or anyone’s property and you are sued for negligence the insurance should pay for your defense and the resultant damages if you are found to be negligent. Such situation could include hitting a pedestrian, crashing into a car, or causing an accident through negligent driving.
Conclusion
It is worth while holding adequate insurance to cover your scooter and any potential claims against you should any accidents occur. Shop around to ensure you receive a good quote which offers adequate cover.
If you have any inquiry about insurance and warranty, please fill in our Insurance Enquiry Form.
