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Mobility Scooter Insurance
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."
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.
What information do I need for scooter insurance?
When taking out mobility scooter insurance there are certain details that you will need on the scooter. This information includes:
• Scooter make and model
• Age
• Price paid for the scooter
• Serial / frame number
Often finding the serial number may be difficult if the scooter was bought second hand, but can be located on the scooter itself and consists of a long string of number/letters often by the battery. New scooters should have the serial number within the documentation.
What can happen without insurance - read here
Mobility scooter insurance is not a requirement everywhere. Nevertheless, it is wise to be protected and have insurance especially if this mobility scooter is used frequently. read more...
It is a good idea to at least have liability mobility scooter insurance. It doesn’t matter if mobility scooter insurance is required or not. Having liability insurance will be a wise protection. Consider if there is an accident that you have caused. It is your responsibility to take care of the property or other person involved if there was any harm or damage.
Sometime the mobility scooter developers as well as the retail seller can help know the mobility scooter insurance laws in your area. Ask and they might be able to help you. Many scooter owners get the minimum insurance required and others can find full coverage plans for a reasonable rate. There are internet insurance companies as well as local insurance companies that usually have mobility scooter insurance. Talking to your insurance agent is also a great way to find the right insurance for you.
Even if you have mobility scooter insurance there are ways to reduce the risk of an accident resulting in the use of insurance. First, know how to use the mobility scooter properly. Next, learn about the mobility scooter road rules and speed limits. This is a good idea if you are in a new area or using the scooter on vacation. Furthermore, don’t go too fast on a mobility scooter because accidents are more likely to occur.
Enjoy your mobility scooter and have peace of mind knowing that you have insurance. Even if it isn’t required you might feel better knowing you have coverage just in case something does occur. It is best to have proper mobility scooter insurance can be worth it to avoid huge repair bills or legal issues, if any mishap takes place.
