Of all things ‘scooter mobility’, one of the least considered is insurance.  That’s right, mobility scooter insurance.

Now when people mention insurance in the same breath as battery mobility scooters, the first thought is that insurance is needed in case of theft.  Now whilst that’s correct, what’s less well considered is the fact that scooters need to be insured for personal liability and also accidents.

Alexander Forbes Mobility Risk Services offers three different levels of insurance for mobility electric scooters ranging from £48 to £151 for a single year.  That’s not a bad price as it happens. 

Some users are adding their mobility scooters to their household insurance and it is true that many household policies provide personal liability insurance of up to £2 million.  However, you need to be absolutely sure that if you do use your household cover you’re properly covered as many insurance policies have subtle exclusion clauses. 

MobilityCompare can recommend Direct Line, Prudential and Norwich Union who cover mobility scooters at no extra cost (depending on the price of the scooter).

Our key advice is whatever you do, make sure your mobility scooter is covered for theft and personal liability.  It is not a legal requirement to do so, but as a famous TV personality would say, “you know it makes sense.”

Our second bit of advice depends on whether you are driving on the pavement or road.  If your battery mobility scooter is being used on the road – ‘public highway’ in legal speak – you must legally take out insurance.

Therefore, if you’re using your household policy, check that it covers road use.  If not, add it on as an extra and expect to pay up to £100 extra for the privilege.

Our final piece of advice covers all of the above and in one sentence it could be summarised as follows: insure your electric mobility scooter for theft, personal liability and (if applicable) road use.  Don’t forget!

Scooter accident

Scooter accident