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Understanding Mobility Scooter Insurance: What You Need to Know to Protect Yourself and Your Device

Mobility Scooter Insurance

As a mobility scooter owner, you may be concerned about insurance, liability, and the possible risks associated with owning your device. Here at Mobility City, we’re committed to helping you throughout your entire journey of using a mobility aid.

Thanks to the Americans with Disabilities Act of 1990 , businesses and organizations open to the public must make reasonable accommodations for people of all abilities, no matter what kind of mobility devices they may or may not use. We’ll answer some common questions relating to mobility scooters and insurance coverage.

Do I Need Insurance for My New Mobility Scooter?

It is not always legally required to purchase coverage for your mobility scooter. Depending on a number of factors, your individual need for insurance can vary. If you’re purchasing your mobility scooter through a line of credit, your lender may require you to purchase insurance. Your health insurance provider also may ask you to purchase insurance. Make sure to check if your situation deems it necessary to have your mobility scooter covered under an insurance policy.

Are There Places Where I Can’t Use My Mobility Scooter?

The only places you cannot use your mobility scooter are on public roads meant for motor vehicles, motorcycles, and public transportation. Sidewalks, crosswalks, parking lots, and other pedestrian areas are legally required to be accessible for all. Unfortunately, accidents involving motor vehicles can still occur in a crosswalk or parking lot while using your mobility scooter.

How Can I Limit My Liability?

The best way to limit your liability while owning your mobility scooter is to purchase insurance. Mobility scooters can be a large purchase, and with any large purchase, insurance can cover expenses in cases of accident, damage, or theft.

What Kind of Insurance is Right for Me?

There are two different types of insurance coverage that can work for you: property insurance and liability insurance. Policies can cover yourself, your scooter, or both yourself and your scooter.

Depending on your unique situation, you may opt to purchase only property insurance if you primarily use your mobility scooter inside of your home. If you have homeowner’s insurance, your mobility scooter may already be covered under your current policy.

If you regularly use your mobility scooter outside of your home, purchasing liability coverage may be a good option for you. This can cover you as an individual from liability if an accident were to happen where you injure someone with your device and you are found at fault.

How Much Does Insurance for a Mobility Scooter Cost?

Costs associated with purchasing insurance will vary depending on your amount of coverage, differences in monthly payments and premiums, as well as where you live. Depending on the insurance company, you may be able to pay for several years at a discounted rate. If you do decide to purchase insurance and eventually buy a new scooter or device, make sure to talk with your insurance provider about any changes that occur, as it may disrupt your ongoing policy.

Having insurance coverage for your mobility scooter can bring peace of mind to you and your family. If your scooter is broken or damaged, insurance can cover the cost of repairing your device as well as paying for a rental replacement while you wait. Although insurance for your mobility scooter may not be legally necessary, it can give you comfort in knowing if anything were to happen, you’d be covered legally and financially. Here at Mobility City, we are committed to helping you find the freedom, comfort, and safety that comes with owning a mobility scooter. Find one of our mobility showrooms near you to speak to a member of the Mobility City family of experts to help you answer all of your mobility scooter needs!

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Are Mobility Scooters Covered by Insurance?

mobility scooter travel insurance

One of the biggest questions you may have is “how do I pay for a mobility scooter?” You are not alone. Thousands of people who are taking their first step toward increased mobility share the same concerns. We hope to make it a little easier to weigh your options by providing you with additional information on the topic: are mobility scooters covered by insurance?

Medicare and Medicaid

What exactly is Medicare? Medicare is a federal health insurance program meant for individuals who are 65 or older or people that have certain disabilities https://www.medicare.gov/what-medicare-covers 1 .

There are several parts of Medicare, and specifically Medicare Part B can potentially cover medical supplies. Medical supplies can also be defined as power wheelchairs and mobility scooters. Depending on your diagnosis and a  examination by your physician, your mobility device may be covered/partially covered by your insurance.

Private Insurance

Outside of federal insurance plans exist what are known as private insurance plans. These are plans that are offered by employers or purchased through other means. At times, these plans may also potentially cover a portion of the cost of your mobility device. The best way to verify your coverage is to contact your private healthcare plan directly.

Self-Funding

If insurance is not an option self-funding is always an avenue you can explore for gaining increased mobility. Starting a fundraiser within your local community or even checking out online fundraising applications like Go Fund Me Crowdcube, and IndiGogo, to name a few.

Which Scooters are Covered by Insurance?

So, which scooters may be funded through insurance? Here are a few from Pride Mobility that are officially coded ( or code verified). Please note that scooters reimbursed by insurance depend on your  medical need and type of insurance coverage:

  • Go Go® ES 2 – lightweight portable scooter that comes with a front basket.
  • Go Go Elite Traveller ® – one of our most versatile scooters that easily disassembles in just a few steps.
  • Go Go Elite Traveller® Plus – perhaps one of our most versatile travel scooters, featuring a delta tiller with ergonomic wraparound handles for optimal driving comfort.
  • Go Go® Sport – travel the country with a mobility scooter that can fit into most car trunks!
  • Victory® 9 – Enjoy on-the-go style with a scooter that boasts a comfortable black vinyl seat that swivels.
  • Victory® 10 –One of our most feature-rich scooters, complete with an LED light to show you the way.

You can also view an entire lineup of scooters by opening this end-to-end brochure. There will be a row detailing what billing code is associated with each scooter (if applicable).

If you have any additional questions regarding coverage or your options, we recommend speaking with your insurance provider. If you have any questions regarding Pride Mobility®, feel free to leave us a comment, give us a call at 1-800-800-4258 or chat with one of our friendly representatives by visiting www.pridemobility.com and clicking on the little blue chat icon in the lower right hand corner of your screen.

*Please note that this article is only intended to be a resource, we recommend speaking directly with your insurance and healthcare providers for information pertaining to exact coverage/etc.

  • As defined by Medicare on Medicare.gov/what-medicare-covers/your=medicare-coverage-choices/whats-medicare

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Published by pride mobility.

Welcome to Pride Mobility! We are a leading manufacturer of mobility products, including power chairs, scooters, lift chairs, and more. Our goal is to help people with mobility challenges live their best lives by providing innovative, high-quality, and reliable products that enhance their independence and comfort. Our company was founded in 1986 with a mission to improve the quality of life for people with mobility limitations. Since then, we have grown to become a global leader in the industry, with a wide range of products designed to meet the unique needs of individuals with varying levels of mobility. At Pride Mobility, we are committed to delivering exceptional customer service and support. Our team of knowledgeable and experienced professionals is dedicated to helping our customers find the right products to meet their specific needs, and we are always here to answer any questions or concerns. We take pride in our products and stand behind them with a comprehensive warranty and service program. Whether you are looking for a power chair to help you navigate your home or a scooter to explore the outdoors, you can trust Pride Mobility to provide the quality, comfort, and reliability you deserve. Thank you for choosing Pride Mobility as your partner in mobility. We look forward to helping you live your best life! View more posts

8 thoughts on “ Are Mobility Scooters Covered by Insurance? ”

What do we do to file a Victory 10 purchase from you with Medicare? I have a doctor’s order.

Hi Otis! I hope you are doing well, thank you for checking our blog out! I’ll be happy to offer you some assistance in how you can proceed. You’ll want to speak with an authorized Pride Mobility Dealer. You can find one by visiting our locator here https://www.pridemobility.com/find-a-dealer.asp

After that you’ll want to let them know which model you are looking for and that you have spoken with your physician, they will be able to guide you further along the process. Please let me know if you would like to see any manuals or brochures on the Victory 10 🙂 my email address is: [email protected]

Thank you again and I hope you have a happy and safe holiday season!

Sincerely, Amanda

I am trying to find a service close to me I live in bowling green,Ohio

Hi Carol! If you send your zip code to our [email protected] email address we can help you. Or if you’d like to check out our dealer locator online you can visit this link and enter your zip code to find service close to you: https://www.pridemobility.com/find-a-dealer.asp

I have been suffering from a mobility problem with the loss of oxygen to my legs. My doctor as well as my home health care nurses and doctor has issued my prescription order and they said they put all my problems in report and Medicaid keeps denying me. In the meantime I am bedridden because I have copd and I am out of breath trying to walk past my living room . I have missed all my appointments because I can’t walk. How do I get help from any other insurance providers?

Hi Valerie! We’re sorry we missed your comment, please pardon our delay. We would suggest speaking with your primary care physician and an authorized dealer that bills Medicaid. You can start your search here for a dealer: http://www.pridemobility.com/find-a-dealer.asp

I have a Durable Medical Equipment Order from my doctor for a mobility scooter. I was interested in the Pride ZT10. I have Aetna Insurance and would like to find a dealer that accepts that insurance. I would appreciate any help provided.

Hello to explore purchasing options we recommend speaking to one of our authorized dealers. You can find one here at http://www.pridemobility.com/find-a-dealer.asp

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How Much is Mobility Scooter Insurance? Costs + Tips for Saving Money

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Having a mobility‌ ‌scooter‌ ‌is‌ ‌a necessity for a lot of people, particularly those who are sick or disabled. If you own a mobility scooter or are considering buying one, then you know how they can improve someone’s quality of life , making life easier and providing the freedom to go out and about.

Now, if you are one of these people, you may be wondering how to protect your mobility scooter in the case that it is damaged or stolen.

Users of mobility scooters are not usually required to have insurance, but many do voluntarily have insurance to protect themselves and their scooter against damage or theft. Having mobility scooter insurance will give you monetary protection and less stress about what will happen if something bad occurs.

This makes all the sense in the world as a mobility scooter is a valuable asset. It’s more than that, actually. It is your transportation, an integral part of your daily life, like a car or bike.

For this reason, you may also be wondering if you need to have Scooter insurance to protect it. And if ‌so,‌ ‌what‌‌ ‌should‌ ‌the‌ Insurance ‌cover?‌ How much does it cost?

Insuring your scooter can be a long process, taking several months. But in the end, it is worth the time and effort. Here is what you need to know about the process.

Types of Mobility Scooter Insurance

mobility scooter travel insurance

There are many questions when it comes to mobility scooter insurance , but the foremost one is: What type of coverage do you need? Believe it or not, mobility scooter insurance coverage can be just as complex as any other type of insurance, including home and automobile. The complexity of your coverage depends on aspects like where you use your scooter, how much it is worth, and if you want liability coverage.

Liability Coverage

Liability coverage for your mobility scooter covers accidents relating to your mobility scooter for which you could be deemed at fault. Although these accidents can be rare, it may be a good idea for you to get this kind of coverage if you use your mobility scooter on busy streets or out in public a lot. If you use you mobility scooter  outside most often, liability insurance is probably a good idea and may be your best option. Then you will be covered if you get in a collision with someone or their vehicle in a parking lot or on a public walkway.

On the other hand, if you mostly use your mobility scooter at home, you may not need liability insurance. And in fact, your scooter may be covered by your homeowner’s insurance or renters insurance, if you have them.

Property Damage and Theft Coverage

Besides liability coverage , it is important to protect the money you spent to buy your mobility scooter. With property damage and theft protection coverage, your mobility scooter will be covered for a bevy of things that could occur, ranging from dents and other damage to the scooter to mechanical repairs that are needed throughout its lifetime. If your mobility scooter stops working and needs new parts — like the battery, which can be quite expensive — then it will all be covered under your mobility scooter insurance plan.

And then there is theft. In the instance that your mobility scooter is stolen, it will also be covered under your policy, ensuring that you get a replacement scooter without having to pay for it.

How Much is Mobility Scooter Insurance? 

The average cost of mobility scooter insurance coverage is about $50 per month . But the amount of money that your mobility scooter insurance costs depends on the amount and type of your usage. If you use it in your home primarily, then it may be included in your renters or homeowner’s insurance, making the cost of your policy significantly less than if you use your scooter on busy roads and at public places.

However, if your scooter is used outside on roads a lot, then you may want liability insurance, which is significantly more.

One mobility scooter insurance company, Scooters N’ Chairs , gives quotes for such coverage in the $50 a month range. They provide all the information you need to decide which policy and plan is best for you and your circumstances. But regardless of which insurance company you pick, it is a good practice to get multiple quotes and compare them before you make your decision.

There are some things you want to familiarize yourself with as you start the process of looking for mobility scooter insurance, like the make and the model, and the date you bought it or how old it is.

How to Save Money on your Mobility Scooter

Online retailers and marketplaces are likely the best places to shop for competitive prices on your mobility scooter. These sellers usually have good selections and fair prices. But be sure to do your research. Don’t make any hasty purchases.

And keep in mind that the prices you see when shopping for a mobility scooter do not include insurance. So that will be an extra expense, if it is something you want to add.

While mobility scooter insurance is not typically required by law, it is still a good idea. Many scooter users have insurance to protect themselves against damage and theft of their scooters.

If you decide that you too would like mobility scooter insurance, you must also decide whether you want liability coverage or just coverage against damage and theft. And while there is a general idea that basic mobility scooter insurance will cost you around $50 a month, you should shop around for more than one quote, so you can compare and get the best price for the coverage you need.

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  • A Guide to Mobility Scooter Insurance: Do You Really Need It?

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Everyone gets insurance for their automobile, and that’s not just because of the benefits it offers in the event of an accident, but because it’s required by law. This is not so much the case when it comes to mobility scooters though, as they fall under very different legal areas. While insurance for your mobility scooter is not seen as something that is necessary for many people, the full story is a little more complicated.

The Definitive Guide to Mobility Scooter Insurance: Do You Really Need It?

Can you insure a mobility scooter, is mobility scooter insurance compulsory, do you need insurance for a mobility scooter, what kind of insurance do you need for a mobility scooter, will insurance cover a mobility scooter, how can i get my insurance to pay for my mobility scooter, mobility scooter insurance coverage and requirement details, final words.

Just like with automobiles, there are inevitable situations that would make having mobility scooter insurance preferable. If you are a current owner of a mobility scooter who doesn’t have it insured but is thinking about changing that, then you have come to the right place.

Today, we’re going to discuss all the details pertaining to mobility scooter insurance: the different types of insurance based on what kind of scooter you own, how expensive the insurance can be, and how you can get started on insuring your mobility scooter as soon as possible.

While many mobility scooter owners are still left in the dark when it comes to insuring their mobility vehicle, the simple truth of the matter is yes you can insure your mobility scooter.

mobility scooter travel insurance

A lot of people automatically assume that mobility scooters can’t be insured because they aren’t in the same legal category as automobiles. While you need a driver’s license to operate a car, you don’t need any such license to use your mobility scooter. Because mobility scooters don’t ride on highways or in the middle of public streets, a license is not required for their usage.

Despite that difference, you absolutely can apply for mobility scooter insurance. Depending on your particular circumstance it may in fact be the better choice by far to sign up for it.

Because mobility scooters are in a different legal category from automobiles, not only do you not need a license to use them but insurance itself is also non-mandatory.

As discussed in the previous section, mobility scooter insurance is not compulsory because they are seen as fundamentally different kinds of vehicles than automobiles are.

Mobility scooters are used on sidewalks or on the edges of the road in certain cities or towns that allow it. Because they can only go so fast, they are not allowed in the middle of the street or on highways. As a result, mobility scooter accidents or crashes simply do not happen as often.

But even though insurance is entirely optional, that doesn’t mean that you shouldn’t seriously consider getting mobility scooter insurance. There are other reasons why insuring your mobility scooter could very well end up being the protection you need in the event of theft, vandalism or any kind of damage caused while you are out riding it.

Figuring out whether or not you need insurance for your mobility scooter is really contingent on your own circumstances. While you legally don’t need it, some countries such as Canada are beginning to consider changing legislation that may in fact make mobility scooter insurance mandatory.

Another argument for why you may want mobility scooter insurance is that these vehicles are becoming faster and more powerful. More and more models are becoming available at 8 mph or even 10 mph, and faster vehicles generally mean a higher risk of accidents.

mobility scooter travel insurance

If your mobility scooter only goes up to 4 mph then you may not feel too worried about needing to have it insured for accidents. But owners of faster mobility scooters with a top speed of 8 mph or higher may feel greater peace of mind with their scooter being insured.

There’s more to take into account than damages caused by crashes though. Mobility scooter insurance can protect you when it comes to theft or vandalism , and this may be a great kind of insurance to take out depending on where you live.

Mobility scooter insurance can even help you pay for certain fees or expenses in the event of needing to pay for a new replacement mobility scooter, or even with the costs of repairs should your scooter begin malfunctioning out of nowhere.

When selecting an insurance provider for your mobility scooter, it is always important to make sure that your insurance broker is a certified organization that is endorsed either by your government or a medical institution.

While mobility scooter insurance comes with several different kinds of policies, most plans fall under one of two main categories:

  • An insurance policy that will cover the repair expenses and substitution of your mobility scooter in the event of vandalism, theft or damage, and
  • An insurance policy that will help you cover claims made against you in the event that you and your mobility scooter caused damage or injury to someone or someone else’s property.

For example, in the event that you were to accidentally harm someone with your mobility scooter and were taken to court, your insurance would help you cover the damage expenses and court fees assigned to you.

In the event that you are the victim of either theft, vandalism or damage from another person’s vehicle, your insurance would help you cover the fees of either repair or with getting yourself an all-new replacement.

Regardless of which side of the damage and harm you are on, mobility scooter insurance can always be there to give you the extra financial support you need.

Many insurance policies offered by different brokers will indeed cover a mobility scooter . When it comes to purchasing a new scooter, they will often reimburse you for the cost you paid. In other circumstances, the insurance will also cover you for the cost of an all-new replacement you may need later down the line.

The best step, in this case, is to carefully examine the specific insurance policy of the broker you have decided to go with. Every insurance policy will have different criteria whether that be related to your own medical situation or the actual functions and build of the scooter itself. Knowing these details inside and out is necessary for knowing whether you and your mobility scooter will be covered by insurance.

While the benefits of acquiring mobility scooter insurance are very enticing, it cannot be emphasized enough that the steps required to get mobility scooter insurance can be quite arduous. In many cases, it can take anywhere from six to nine months to have your insurance fully set up, and this is usually due to the massive amount of paperwork required to become approved with your insurance broker.

For one thing, you can expect to be making a lot of trips to your local doctor before you can even reach the point of filling out the paperwork. People who become eligible for mobility scooter insurance almost always need documentation from a physician that they can then bring to an insurance company. This medical paperwork is mandatory for anyone who wants to receive scooter insurance benefits, and this process alone can sometimes take a couple of months.

mobility scooter travel insurance

Another thing to keep in mind is that you will have to purchase the scooter yourself with your own money before the insurer gives you any reimbursement. Depending on which insurer you go with, the reimbursement could take another couple of months before it gets approved and goes through.

Another thing to take into account is that certain insurance companies will only insure specific mobility scooters. For example, many owners of mobility scooters find out that their scooter provider also gives them a homeowner policy that provides the owner certain liability protection for their brand of mobility scooters. The same logic applies to insurance companies: some brokers will only offer insurance protection on certain brands of scooters.

That means if you currently own a mobility scooter it may not be eligible for insurance from some insurance companies. It also means that your choices in selecting a new mobility scooter after signing up with a specific insurance plan may be somewhat limited.

Also, keep in mind that it is important to notify your insurance company when you are planning on buying a new scooter if you are already in the middle of an insurance plan. This will be necessary to make sure that your new mobility scooter is in fact covered by your plan.

One of the great things about mobility scooter insurance is that it is not nearly as expensive as car insurance. This is part of why more scooter riders should make the investment to acquire insurance as it will usually not leave too big a dent in your pocket.

Most insurers will cover you up to 80% or even 100% of the costs and expenses you will incur. It’s also important to note that generally speaking insurers will only approve coverage for a new mobility scooter once every five years. Luckily, there are exceptions to that, such as changes in your medical condition or damages to your vehicle so severe that they require a replacement scooter.

Your insurer will send you an Evidence of Coverage document that describes in detail all of your health care benefits including the criteria that their policies cover under your plan. This includes specific medical conditions as well as the specifications of your scooter, along with its features, dimensions and accessories.

Finally becoming approved for mobility scooter insurance can be a long process, but it can be easier if you are educated on what requirements will be expected of you. That way you will reduce the odds of being rejected and this will save you a lot of wasted time when it comes to doctor appointments, paperwork writing, and scooter shopping.

mobility scooter travel insurance

In all likelihood, you will have to undergo a series of tests with your local physician that will serve as proof to the insurer that your need for a mobility scooter is essential for you on a daily basis. Insurance companies are usually very picky and will only give out their plans to those who need it most, and your medical documentation is the proof they are looking for.

Some other details to keep in mind are how easily you can walk without assistance, or how easily you can get yourself from point A to point B, whether that be indoors or outdoors. Your ability to operate a mobility scooter will also be brought up. While you must have enough impaired mobility to receive insurance, you must also be physically sound enough to operate the vehicle safely so as not to be a threat to yourself or other people.

Your own mobility scooter will have to obey certain criteria as well to be eligible for insurance coverage. Depending on your specific plan and its policies, your selected mobility scooter will have to have a certain top speed, be designated in a certain class, and possess certain features.

For example, your mobility scooter may have to be a certain weight and size, have a certain number of wheels and may or may not need to have a suspension system that allows for more smoother rides on rougher terrain. Buying a scooter with all of the necessary features may make it a more expensive vehicle, but you will eventually be reimbursed for it, and all of the extra features will make it a safer and more comfortable ride anyway.

Acquiring mobility scooter insurance can be a bit of a hassle, but as the old saying goes: better safe than sorry. If you manage to get mobility scooter insurance approval then you’ll have a reliable safety net that will grant you protection in a wide variety of situations. Take advantage of the opportunity and give yourself and your mobility scooter the protection you deserve now.

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13 Tips for Air Travel With a Mobility Scooter

mobility scooter travel insurance

A mobility scooter can be a real lifesaver when it comes to getting around. With a bit of pre-planning, your scooter can go along any time you fly, even if you don’t have a direct flight, to make your vacation travel more convenient, less expensive and more fun.

Here are 13 tips to help take your mobility scooter or other mobility aid along the next time you fly.

1.   Check out TSA Pre-check.

If you don’t already have  TSA Pre-Check , get it.  It will save you immeasurable time and trouble at the airport. A five-year $85 membership lets you move quicker through security without removing your shoes, laptop, liquids, belt, and light jacket. Apply online, go to most local airports for a 10-minute interview, and you’ll receive a Known Traveler Number (KTN) that the airline will put on your ticket and boarding pass. If you travel internationally, consider getting  Global Entry . At $100 for 5 years, Global Entry includes TSA Pre-Check and also gives you expedited access through Customs and Immigration when coming back into the U.S.

2. Learn the rules before you roll.

Call or check your airline’s website (search  Disabilities ) for information and requirements on taking a mobility scooter or wheelchair on board. Some airlines, like Southwest, have a form you can fill out and take with you. You need the specs (measurements, weight, battery type etc.) for your scooter. Be careful you don’t just check every box that mentions wheelchair: you might end up with one waiting as you and your scooter deplane.

3. A day at the park.

You can park off-airport, but leave yourself plenty of extra time. When you check into the lot, ask if there is somewhere special to park since you have a scooter. The shuttle bus driver will help you load a lighter weight travel scooter that comes apart into several pieces.  Generously tip your driver for the extra service.  You may have to wait for a second (or even third) shuttle to have room for you since you have a lot of gear. If you have a full-size scooter, consider dropping it off at the airport while your travel partner parks the car, or park on airport property within scooting distance.      

4. The battery is kind of a big deal. 

Dry cell (non-spillable) and lithium ion batteries can remain with the scooter. Wet cell (spillable) batteries may need to be checked. Know which type you have before you get to the airport.  Some airlines may place a sticker on the battery at check-in. Make sure your battery is fully charged before your trip. Don’t forget your battery charger in your carry on for emergency charging.  

5. Luggage tag, you’re it.

Make sure you have a luggage tag with your contact information securely on your scooter before you leave home. Tape a business card (or make your own) to the base of the scooter as a back-up. 

6. Take a selfie of your scooter.

Photograph your scooter with your smartphone before you check in to show its general condition. Are there any scrapes or breaks in the main plastic parts? The photos will be time and date stamped in case you have to make a damage claim with the airline on the other end, as damage to mobility aids is common when flying.

7 .   First stop: main check-in.

Checking in to fly with a scooter.

TSA Pre-Check puts you in the shortest line: if you don’t have it, you can be looking at a lot of switchbacks and delays in the long lines. TSA Pre-Check means you keep your shoes/belts/light jackets on, computers in their bags, and reduces your chance of having to go through the complete drill.  You still put your carry on items in bins. You may have to walk through a metal detector or body scanner if you’re able, while TSA Agents swab your scooter. If you’re not able to stand, agents will use a wand on you and the scooter, and maybe swab you both as well.

9. Drive right to the plane’s door .

Check in again at the gate so these folks know your situation. Ask if you can ride down the jet way and get a gate-check tag if you don’t already have one. If you have a plastic basket, consider leaving it at home or taking it on the plane with you to avoid damage in the cargo bay.

10. Now (pre) boarding.

No matter where your seats are, take advantage of the call for pre-boarding passengers who need extra assistance. If you need assistance from there to your seat, the airline will help with an aisle wheelchair that fits between the seats.

11.   To key or not to key?

Take your scooter key so it doesn’t get lost or accidentally turned on during the flight. Show the airline person who takes possession of the scooter where the neutral switch is to roll the scooter by hand.

12. Slow and steady wins the race.

Plan to be one of the last people off the plane (especially if you need an aisle wheelchair). That’s okay, because your scooter has to be unloaded from the cargo bay. Ask the flight attendant at the door where your scooter will return: the jet way right off the plane or the top of the jet way in the airport. Leave plenty of time for connecting flights to move through the second airport to your next gate and check in again. Minimum layover: at least an hour.

13. Welcome back, scooter.

Once returned, check the scooter for damage. If there is a problem go straight to the personnel at that gate and report it. Just like on a  cruise ship , taking your mobility scooter on a plane takes a bit of time and effort, but once you arrive at your destination, you’ll be glad to have it along.

What’s your take?

Tell us what you think in the comments below.

This story originally appeared on The Travel Tutor .

Brian G. Miller is a travel agent and writer who specializes in ocean cruising and special needs travel. He has earned the Accredited Cruise Counselor (ACC) certification from CLIA, completed specialist training with numerous cruise lines, and is an SNG Certified Accessible Travel Advocate. Brian is a member of the American Society of Travel Agents and CLIA (Cruise Lines International Association) and is IATAN accredited. Brian takes his mobility scooter on all his travels.

Navigating the Road to Mobility Scooter Insurance Coverage

Navigating the Road to Mobility Scooter Insurance Coverage

09/16/2023 11:32 PM

If you are a mobility scooter owner, your scooter is very much  . However, just like any valuable possession, protecting your mobility scooter is crucial. That's where mobility scooter insurance coverage comes into play. In this comprehensive guide, we will explore the ins and outs of mobility scooter insurance coverage, answering key questions and providing valuable insights to help you make informed decisions.

Understanding Mobility Scooter Insurance

Some companies offer insurance just for your mobility scooter insurance. While it's not legally required in all places, having insurance for your mobility scooter can be a wise choice.

Do You Need Mobility Scooter Insurance?

Whether or not you need mobility scooter insurance largely depends on where you live and how you intend to use your scooter. Let's take a look at some factors that may influence your decision to get coverage.

The Benefits of Mobility Scooter Insurance

Getting mobility scooter insurance can offer various advantages.  One of the major benefits is financial protection. Insurance can be a valuable asset in that it offers enhanced peace of mind.

Types of Mobility Scooter Insurance

There are different types of insurance policies available for mobility scooters. The most common options, include liability coverage, and comprehensive coverage.

What is Mobility Scooter Liability Coverage?

Mobility scooter liability coverage is a type of insurance that provides financial protection for individuals who use mobility scooters. This coverage is designed to cover the costs associated with any damages or injuries that may be caused by the scooter user.

It typically includes bodily injury liability, which covers medical expenses and lost wages for anyone who is injured as a result of an accident involving the scooter. It may also include property damage liability, which covers the cost of repairing or replacing any damaged property.

Mobility scooter liability coverage could help scooter by limiting the potential financial burdens that may arise from accidents or incidents involving their scooters.

What is a Mobility Scooter Comprehensive Coverage?

Mobility scooter comprehensive coverage insurance is a type of insurance that may provide you financial protection for your mobility scooter in case of damage or theft. This coverage typically goes beyond basic liability insurance and includes coverage for accidents, fire, vandalism, and other risks.

With comprehensive coverage, you can have peace of mind knowing that you are financially protected against unforeseen events that may damage or cause the loss of your mobility scooter. It is important to review the terms and conditions of the policy to understand the coverage limits and any exclusions that may apply.

How to Get Mobility Scooter Insurance?

Getting insurance for your mobility scooter involves a series of steps. Here's a step-by-step guide on how to navigate the process effectively. Step 1: Evaluate Your Needs Before you start shopping for insurance, it's essential to assess your specific needs.  Understanding your needs will help you determine the level of coverage that's right for you. Step 2: Research Insurance Providers Not all insurance providers offer mobility scooter coverage.  Here are some essential tips to help you navigate this process effectively:

  • Start with Mobility Scooter Specialty Insurers: Begin your search by looking for insurance companies that specialize in mobility scooter coverage. These insurers have expertise in understanding the unique needs of scooter owners. They often offer tailored policies with comprehensive coverage options.
  • Check with Your Current Insurance Provider: If you already have insurance coverage for your home or vehicle, check with your current insurance provider to see if they offer mobility scooter insurance as an add-on or standalone policy. Bundling your coverage with an existing provider can sometimes lead to discounts.
  • Seek Recommendations: Ask your friends, family, or acquaintances who own mobility scooters about their insurance experiences. They may have valuable insights into reputable insurance companies and can provide recommendations based on their personal experiences.
  • Explore Online Reviews: Take advantage of online resources to research insurance companies. Websites like Trustpilot, BBB (Better Business Bureau), and consumer forums often feature reviews and ratings for insurance providers. Reading about the experiences of other customers can help you gauge the quality of service.
  • Contact Local Mobility Retailers: Reach out to local mobility scooter retailers or dealerships. They often have partnerships or affiliations with insurance companies that offer coverage specifically for their customers. These insurers may have a better understanding of the mobility scooter market.
  • Compare Coverage Options: Once you've identified potential insurance providers, it's essential to compare the coverage options they offer. Consider factors like liability coverage, theft protection, damage coverage, and the policy's overall cost. Look for policies that align with your specific needs and budget.
  • Review Customer Service: Excellent customer service is essential, especially when dealing with insurance claims or inquiries. Research how responsive and helpful an insurance company's customer service is by reading customer reviews and contacting them with any questions you may have.
  • Check Licensing and Accreditation: Ensure that the insurance provider is licensed and accredited in your state or region. This accreditation indicates that the company meets certain standards and regulations, giving you added confidence in their legitimacy.

Step 3: Request Quotes Get insights into the cost of mobility scooter insurance by requesting quotes from different providers. We'll provide tips on how to compare quotes effectively.  Contact the insurance companies you're interested in and request insurance quotes. Be prepared to provide details about your mobility scooter, including its make and model, usage, and where it will be primarily used. Compare the quotes to determine which insurer offers the best value for your specific requirements. Step 4: Review Policy Details Understanding the fine print of your insurance policy is crucial. We'll explain what key terms and conditions to look for in your policy.

Alternatives to Mobility Scooter Insurance

While mobility scooter insurance is a valuable option for protecting your investment and ensuring your peace of mind it is an added cost.  If you are a senior or someone else that has a fixed income, specialized mobility insurance coverage might be too much of a stretch for your budget. There may be alternate ways to cover your scooter and allay some of the cost and risks related to issues that may arise with your mobility scooter.

Here are some alternatives to consider: 1. Homeowner's or Renter's Insurance: Check your existing homeowner's or renter's insurance policy. In some cases, these policies may provide coverage for personal property, including your mobility scooter. However, coverage can vary widely, so it's crucial to review your policy and potentially add a rider or endorsement if necessary. 2. Extended Warranty: When purchasing your mobility scooter, inquire about extended warranties offered by the manufacturer or dealer. These warranties can cover repair and maintenance costs for a specified period beyond the standard warranty. While not insurance in the traditional sense, they can provide financial protection. 3. Health Insurance: Your health insurance policy may cover certain aspects of your mobility scooter expenses, especially if it's deemed medically necessary. This typically applies to electric wheelchairs and scooters prescribed by a healthcare professional. Be sure to consult your insurance provider for details. 4. Personal Savings: If you have a robust emergency fund or savings set aside, you may choose to self-insure your mobility scooter. This means that you'll cover any repair or replacement costs out of pocket. While this option doesn't involve premiums, it's essential to ensure you have sufficient funds to handle unexpected expenses. 5. Manufacturer's Warranty: Most mobility scooters come with a manufacturer's warranty that covers defects and malfunctions. Review the terms of this warranty to understand what is and isn't covered. Keep in mind that these warranties typically have limited durations.

In the world of mobility scooters, insurance coverage can provide a safety net and peace of mind. Whether you're concerned about accidents, theft, or damage, having the right insurance policy can make all the difference. By understanding the ins and outs of mobility scooter insurance, you can confidently navigate the road ahead.

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Mobility Scooter Insurance

Mobility scooter users are typically not required to have mobility scooter insurance, since they do not ride on public streets. Rather, mobility scooters are designed to traverse sidewalks, parking lots, shopping malls, grocery stores and buildings.

Yet, many mobility scooter users voluntarily take out insurance to protect themselves in case of damage from an accident or theft. The financial consequences of a scooter accident can be significant. Not only will scooter insurance provide you with some financial protection, it will also give you peace of mind.

Note that insurance for mobility scooters and electric wheelchairs is readily available for UK residents. In the U.S., this type of protection may be covered separately or included with other types of policies. 

Types of Mobility Scooter Insurance

There are two types of scooter insurance:

  • Policies that cover the repair and replacement of your scooter in case of damage or theft, and
  • Policies that cover claims made against you if you cause someone injury or damage property.

Moreover, if you hit someone with your scooter or damage someone’s property and are sued for negligence, some insurance may cover court fees. Policies may also cover the cost of getting you and your scooter back home after an accident or breakdown. Such recovery assistance is usually offered on a 24 hours per day, 365 days per year basis.

It is important to determine exactly what a given scooter insurance policy covers, in writing, to avoid misunderstandings and claims issues. Therefore, prior to shopping for mobility scooter insurance, find out if you are already covered by your homeowners policy.

Some homeowners policies include mobility scooter protection at no additional cost. Those that do typically cover theft and accidental damage, as well as personal liability up to a given limit.

Tips for Selecting a Policy for Your Mobility Scooter

Typically you can choose to take out annual scooter insurance, or save on your total premium by taking out a a two- to three-year policy at once. Shop around to find a competitively priced policy that provides sufficient coverage for your needs. If you think you’ll have trouble paying a particular policy's premium, select a policy that has a higher deductible.

What Are the Limitations of Scooter Insurance?

Some insurance providers may put a cap on the number of times you can file a claim. Also, keep in mind that some policies will only cover the scooter you had when the policy commenced. Therefore, make sure to notify your insurance company if you decide to buy a new scooter mid-way through your policy.

Important Note

This article is designed to serve as an information resource as you consider insurance coverage for your mobility scooter. The information here is summary in nature and not inclusive to specific policies and coverages.

Policy terms and conditions differ and you must thoroughly familiarize yourself with the details of your coverage. Seek the counsel of a reputable insurance agent who has experience with mobility insurance to ensure you are signing up for the coverage that you need. 

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Affordable Mobility Scooter Insurance

Mobility Scooters provide independence and freedom for an increasing number of people . They are seen by many owners as essential to maintaining the quality of life. However, scooters are not without risk, especially in busy pedestrian areas, so we recommend that you cover yourself with Mobility Scooter Insurance.

At Blue Badge Mobility Insurance, we understand how crucial your scooter is to you in carrying out your everyday life, whether you have a Class 2 mobility scooter (pavement) or Class 3 mobility scooter (road and pavement). Blue Badge is focused on keeping you moving and giving you peace of mind as you use your scooter with our manual and electric scooter insurance in the UK.

What’s covered with Blue Badge’s mobility scooter insurance?

Our affordable mobility scooter insurance will cover your scooter and anyone with permission to ride it. It provides cover for accidental damage and injuries and gives you Public Liability Insurance. Blue Badge also offers optional extras, including puncture insurance, mobility scooter breakdown cover and key insurance. View our insurance for m obility scooters and powered wheelchair policy for more details.

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If you would like to receive the latest offers on selected financial and related products and services from Blue Badge Mobility Insurance, please choose how you would like us to contact you:

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Unfortunately we are unable to insure Cabin Cars or 2 wheel scooters

2. Date of Birth and Scooter Details

Cannot be used on roads

Can be used on roads and must be registered with the DVLA.

Can you confirm the 3 statements below?

1) I have not made any claims on a mobility scooter insurance policy in the last 2 years 2) I have never been refused mobility insurance 3) Your scooter is not capable of travelling over 8 MPH

If you cannot agree to ALL of the above statements please call us on 01730 233 101

3. Type of Cover

Mobility Scooter Insurance Options

The following are covered as Standard:

Accidental damage 3rd party liability Loss or theft

We also offer a number of extensions to the cover which you can add below

Optional Add ons

If your Mobility Scooter breaks down, or if after an insured event your Mobility Scooter is unusable, we have a recovery service which will recover you and your Mobility Scooter and return it to your chosen destination within a 20 mile radius of breakdown. If you choose not to use the recovery service, we will refund costs incurred by you to get you and your scooter up to a limit of £100.

If your key is accidentally lost, damaged or stolen, we will pay up to £1,000 in respect of: A) Locksmiths charges, new locks (if a security risk has arisen) B) Replacement keys C) Re-programming of immobilisers, infra-red handsets and alarms.

If your Mobility Scooter suffers from a puncture we will cover the cost of fixing the puncture up to a value of £50 as long as a receipt is provided.

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Benefits of this policy

Mobility Scooter Insurance UK Benefits:

  • Up to £2 Million Public Liability insurance
  • Optional Recovery Service
  • Optional Puncture/Key cover

What's covered

Mobility Scooter Insurance Standard Policy

Public liability up to £2 million for injury or damage to property, cover for you and anyone using your mobility scooter with your permission, accidental damage to your mobility scooter including theft and vandalism, replacement of your mobility scooter if we are unable to repair it, using your mobility scooter abroad for up to 90 days, serious injuries to you while using the mobility scooter, this mobility scooter insurance policy does not cover mechanical breakdown., there is an excess to pay for claims under the public liability and accidental damage sections, optional extras, recovery service, puncture insurance, if your mobility scooter suffers from a puncture we will cover the cost of fixing the puncture up to a value of £50, as long as a receipt is provided for the puncture repair., key insurance, if your key is accidentally lost, damaged or stolen, we will pay up to £1,000 in respect of: a) locksmiths charges, new locks (if a security risk has arisen) b) replacement keys c) re-programming of immobilisers, infra-red handsets and alarms, expert mobility scooter insurance provider.

At Blue Badge we are specialists in Mobility Scooter Insurance . We are leaders in the market for helping to keep you mobile with a wide range of experience and expertise in insurance policies for mobility scooters, electric wheelchairs and manual wheelchairs . We also have policies to cover carers and personal assistants, enabling us to offer you protection as you care for others. This means we understand our customers’ needs and have created reliable and relevant policies that support each individual no matter their circumstances.

We are known for offering consistently low prices, no charge for policy changes and a quick and easy claims service. Our friendly UK-based staff are only a phone call away to help with any questions about your policy and are on hand to help if you face a breakdown or problem. To talk to a team member about our Mobility Scooter Insurance , call us today .

Do you Need Insurance for a Mobility Scooter?

Mobility Scooter insurance isn’t a legal requirement but it is recommended by the UK government . Insurance offers peace of mind in a range of scenarios including theft, injury, vehicle or property damage, or loss. Our experts can answer your questions on tax and insurance for mobility scooters.

At Blue Badge, we are a specialist insurance provider, helping customers when they need to make a claim, since 2014. Offering friendly support that gives wheelchair and mobility scooter users the confidence to live their lives to the fullest.

General Insurance Questions

Can you insure questions, liability insurance questions, theft/damage questions, personal injury questions, new for old replacement questions, recovery service questions, payment questions.

  • - Do I need to have Mobility Scooter Insurance? No, there is no law that states you must have mobility scooter insurance. Many people do opt to take out insurance to protect themselves against 3rd Party Claims (if you injure someone or damage someone’s property) and to protect against theft or accidental damage to their scooters, but it is not compulsory or a legal requirement.
  • - Can use my scooter on the road? There are two different types of Scooters, Class 2 Scooters that go up to 4mph and Class 3 Scooters that go between 4mph and 8mph. The Class 3 scooters can go on the road and have to be registered with the DVLA. You can find more information on the government website, www.gov.uk and typing ‘invalid carriage’ into the search bar. (www.gov.uk/mobility-scooters-and-powered-wheelchairs-rules)
  • - Can I have a Blue Badge? We are Blue Badge Mobility Insurance, we provide insurance cover for Mobility Scooters and Wheelchairs . You would need to contact your local council authority for Blue Badge disabled parking.
  • - Do I need to take a test to use a Mobility Scooter? You do not need take a test or have a driving license to use a mobility scooter.
  • - Can you insure me if I have a pre-existing medical condition? Our policy states that “You must ensure that you or any friend using the scooter or wheelchair are capable of doing so safely” If you have been advised by a medical practitioner that you shouldn’t be using a mobility scooter then it could invalidate a claim. There are very few regulations around mobility scooter safety, but you can find some guidelines online on the government website, www.gov.uk and typing ‘invalid carriage’ into the search bar. (www.gov.uk/mobility-scooters-and-powered-wheelchairs-rules). There is no legal eyesight requirement to drive mobility scooters or powered wheelchairs, but you should be able to read a car’s registration number from a distance of 12.3 metres (40 feet).
  • - Can you advise me what cover I need? We are not able to provide advice about what cover you need, we can only explain what is in our policy and what is covered, and answer any questions you may have. We are happy to send you a copy of our policy documents so you can read through the policy and see if it meets your needs. If you opt to take out the policy and then change your mind, or decide the cover doesn’t meet your needs, you will have a 14 day cooling off period where you can cancel the policy and get a full refund.
  • - I’ve got a manual wheelchair with powered wheels/powered attachment, can you insure it? Yes, we can cover manual wheelchairs and powered attachments under one policy as a Powered Wheelchair, as long as the powered wheels/attachments don’t go faster the 8mph, and as long as the combined value of the chair and the wheels/attachment doesn’t exceed £7,000 in value. The wheelchair will be covered for using both with and without the wheels/attachment. *(PLEASE NOTE – WE CANNOT INSURE THE BATEC ELECTRIC OR THE BATEC RAPID ATTACHMENTS DUE TO THEIR TOP SPEEDS)*
  • - I’ve got a wheelchair I use for playing sports, can you insure it? Yes, we can insure your wheelchair, but it wouldn’t be covered whilst you are actually playing the sport. You would be covered for your Public Liability and Theft and Accidental damage, but if the chair was damaged or if there was a liability claim as a result of the sporting activity then that wouldn’t be covered.
  • - I’ve got a Golf Buggy I use a Mobility Scooter, can you insure it? As long as the Golf Buggy complies with regulations of the Class 3 Scooters on the gov.uk website and as long as it as being used at a Mobility Aid we can cover it. It will not be covered for using whilst playing golf or whilst on the golf course. If you need cover for it being used a Golf Buggy you will need specialist golf buggy insurance.
  • - I’ve got a Tandem/Two Seater Mobility Scooter, can you insure it? Unfortunately, we cannot insure Tandem Scooters.
  • - My chair was provided by the NHS Wheelchair Service, can you insure it? Yes, we can provide cover for wheelchairs provided by the NHS. If you need cover for theft and accidental damage then we will need to know an approximate value of the wheelchair. If you can contact the wheelchair service and ask them how much the chair is worth, or alternatively you can look online and see how much the make and model are being sold for.
  • - I’m going to be renting a scooter, can you insure it? We can insure rented scooters, but we only offer an annual policy, we don’t offer any short term insurance, so you would need to purchase a policy for the year. Our prices start from £46 for the year for a scooter that is under £3,000 and we would need to know the make, model and value of the scooter in order to insure it for you.
  • - I want to insure my scooter, but I don’t have/can’t find a serial number That’s not a problem, we don’t need a serial number to insure your scooter. All we need is the Make and Model, Date you got the scooter (approximate Month/Year) and the Value of the scooter. We will take the serial number if you have one, but if you don’t it’s not a problem.
  • - I have two scooters, can you insure them both on the same policy? No, we are insuring the scooter rather the user, so we can only insure one piece of equipment per policy.
  • - Does this policy cover me to use any scooter? The scooter will be covered for anyone who the policy holder has given their permission to use the scooter. If you have two scooters and you want them both insured you will need to take out two policies.
  • - My Sheltered Accommodation/Housing Association (etc) have told me I need to get insurance in case my scooter causes a fire. Does your policy cover if my scooter causes a fire? Our policy covers you for your 3rd Party (Public) Liability, so if, whilst using your scooter, you cause an accident which injures someone else or damages someone else’s property then we will look to cover your liability up to £2 million. However, if your scooter was to spontaneously combust and cause a fire, then this would not be covered under the insurance. It would either be covered under a home insurance or building insurance policy, or you would need to claim directly against the manufacturer of the scooter.
  • - Is my partner/friend covered to use my scooter? Yes, the policy will cover your scooter to be used by anyone who you give your permission to.
  • - I only want 3rd Party Cover We can set a policy up for you on our Standard Cover for £46 which will cover you for £2 million public liability.
  • - The scooter/wheelchair is being used by my son/daughter, do you put the policy in their name or mine? It’s entirely up to you, we can put the policy in your son/daughter's name, and put a note on the policy to say they’re under 18 and to discuss the policy with yourself, or alternatively we can put the policy in your name, the equipment is covered for whoever you give your permission to use it. If you would like to have the policy in your name, we can put a note on the policy to say it’s your son/daughter that is actually using the mobility scooter/chair.
  • - Is my scooter covered if I leave it unattended? Yes, you can leave your scooter unattended for up to 1 hour. If it is left unattended for more than 1 hour it either needs to be; in a locked building, in a locked vehicle or chained to an immovable object with a padlock and chain
  • - Is my scooter covered if it’s stored in my car? Yes, while your scooter is in the car it will be covered for theft and accidental damage.
  • - Is my scooter covered on holiday?/I’m taking my scooter on a cruise, am I covered? Yes, the policy includes up to 90 days cover outside the UK for public Liability and Accidental damage. We are not able to cover your Public Liability in North America and Canada. You will still be covered for theft and accidental damage in North America and Canada)
  • - My scooter is chained up outside overnight, is it covered if someone vandalises it? Our policy will cover you for theft of your scooter, but if it is left outside for more than 12 hours or overnight we are not able to cover it for damage.
  • - My scooter has a canopy/cover, is this covered? Yes, we would look to cover any theft or accidental damage to a canopy or cover for your scooter, but only if the scooter is damaged or stolen at the same time. You need to state that you have a canopy when taking out the mobility scooter insurance
  • - Does my scooter need to be regularly serviced for the insurance to be valid? There is nothing in our policy that states you must have your scooter serviced. It just states that “You must maintain your scooter or wheelchair in good condition and take all precautions to prevent accidents, injury, loss or damage. You must use and maintain your scooter or wheelchair according to the manufacturer's instructions”
  • - Does the insurance cover my batteries? Our Standard Insurance covers Theft and Accidental Damage, it doesn’t cover if your scooter just stops working e.g. caused by a flat battery.
  • - Who does the repairs to my scooter? We let our customers choose any reputable Mobility Shop or Engineer to carry out repairs to their scooters. We don’t have a list of repairers, but if you don’t know of anyone to do the repairs, we can look online and find two or three phone numbers of local repairers.
  • - If I fall off my scooter and break my arm can I claim? / Is personal injury covered? There is a section on the policy for personal injury, which covers up to £3,000 but there are only 3 occasions on which we can pay out which are; Death, Loss of one of more limbs, or permanent blindness in one or both eyes. Broken bones or other injuries are not covered in our personal accident section.
  • - My scooter is over 2 years old, if it’s stolen will you give me a new one? We offer a New for Old Replacement, up until the scooter is 2 years old. Once the scooter is over 2 years old, we would then do a like for like replacement, so in the event that your scooter was stolen or written off, our claims team would look to replace your scooter with one of a similar age, make and model to the one you currently have.
  • - Who do I call for the recovery service? You can call the Recovery Service on 01730 233 101 and press option 3. This will take you straight through to the 24/7 Helpline at National Breakdown. You should receive a sticker with your documents that will have this phone number on.
  • - How long will it take for the recovery service to get to me? The recovery team will aim to get to your location within 1 hour, but as a mobility user you do get their top priority on their call outs.
  • - Is there a limit to how far the recovery service will take me? The recovery team operate throughout the whole of the UK. They can take you anywhere you’d like to go within a 20 mile radius of where you’ve broken down. In the event that you needed to go further than 20 miles, they can do this, but there would be an additional charge per mile that you would need to pay directly to National Breakdown, as it would not be included in your breakdown cover.
  • - Is there a maximum number of times I can use the recovery service? Yes in our breakdown cover, the recovery is limited to 4 call outs per year.
  • - Will the recovery service take dogs? Yes, but it is at the discretion of the driver so you will need to advise National Breakdown that you will need transport for a pet too.
  • - Do I have to use National Breakdown? No, we provide you with National Breakdown, who have a 24/7 helpline for you to use, however if you wish to use an alternative company you may do so, but you would need to pay the alternative company for their services and then claim the money back from us. (Maximum of £100 per claim).
  • - I can’t travel in the recovery vehicle, what happens then? If you are unable to travel in the recovery vehicle then a taxi can be arranged for you. If you are not easily able to transfer from your scooter/wheelchair into a taxi, then a wheelchair accessible vehicle can be arranged for you, but you would need to let the recovery team know this when you call to request assistance.
  • - Will the recovery service fix my scooter? No, the recovery service is just a rescue service to get you home in the event that your scooter stops working, they don’t carry out any repairs to you scooter.
  • - Do I need to give my policy number to get recovered? No, the recovery service should be able to locate your details on their system using your postcode.
  • - Can I pay by direct debit? At present we do not have a direct debit facility available so we would take the full payment at the start of the policy with either a debit or credit card.
  • - Is there a charge for paying with a debit/credit card? No, there are no charges for paying with a debit or credit card.
  • - Can I pay by cheque? Yes, you can pay by cheque, please make it payable to Blue Badge Mobility Insurance or ‘BBMI’ and post it to us: No 7 Ridgeway Office Park, Bedford Road, Petersfield, Hampshire. GU32 3QF.
  • - I don’t have a bank account/card how can I pay? We can accept postal orders which you can get from the Post Office (the post office do charge a 12.5% fee for postal orders) or someone else can pay for the policy on your behalf, but we will need to speak to the card holder at the time of the sale to confirm they are happy for us to process the payment.
  • - Will my policy automatically renew next year? No, we do not store any card details on our system. We will write to you about 21 days before the policy is due for renewal. If you would like to renew your policy, you will need to contact us to make a payment.

GET IN TOUCH WITH US

Our team of friendly staff will be ready to help you Mon - Fri

01730 233 101

Contact Details

Give us a call at 800-971-5369

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Cheapest Mobility Scooter Insurance: What To Do

Mobility scooters are an excellent way for people with mobility issues to get around. They are easy to use, affordable, and can be used both indoors and outdoors. However, just like any other vehicle, mobility scooters need to be insured. Insurance can protect the rider from liability in case of an accident, theft, or damage to the scooter.

Finding the cheapest mobility scooter insurance can be a challenge. Many insurance companies do not offer policies specifically for mobility scooters, and those that do may charge high premiums. However, with a little bit of research, it is possible to find the answer to your question and find affordable insurance that provides adequate coverage. Some insurance companies offer discounts for seniors or for those who have completed a safety course. Additionally, it may be possible to bundle mobility scooter insurance with other types of insurance, such as homeowner's or auto insurance, to save money.

Money

Breaking Down Mobility Scooter Insurance

There are several factors to consider when looking for the cheapest mobility scooter insurance. These factors below include the type of scooter, its value, the driver's age and driving history, and the level of coverage needed.

  • Type of scooter:   When considering the type of scooter, it is important to note that insurance companies may have different rates for different types of mobility scooters. For example, a three-wheeled scooter may have a different rate than a four-wheeled scooter. It is important to shop around and compare rates from different insurance companies to find the best deal.
  • Value: A more expensive scooter will generally have a higher insurance premium than a less expensive scooter. It is important to consider the value of the scooter when deciding on the level of coverage needed.
  • Driver's age and history:  Younger drivers or those with a history of accidents may have a higher premium than older drivers with a clean driving record.
  • Level of coverage needed: Some policies may only cover liability, while others may offer more comprehensive coverage. It is important to choose a policy that meets the driver's needs and budget.

In conclusion, understanding mobility scooter insurance is important for anyone who owns a mobility scooter. Factors such as the type of scooter, its value, the driver's age and driving history, and the level of coverage needed should be considered when looking for the cheapest mobility scooter insurance.

Factors Affecting Insurance Costs

When it comes to insuring a mobility scooter, the cost of insurance can vary depending on a number of factors. Below are some of the key factors that can affect the cost of mobility scooter insurance.

Age of the Scooter

The age of the scooter is one of the key factors that can affect the cost of insurance. Newer scooters tend to be more expensive to insure as they are more valuable and may require more expensive repairs. On the other hand, older scooters may be cheaper to insure, but they may also be more prone to breakdowns and require more repairs.

User's Age and Experience

The age and experience of the user can also affect the cost of insurance. Younger users may be charged higher premiums as they are considered to be higher risk. Similarly, less experienced users may also be charged higher premiums as they may be more likely to have accidents or cause damage to the scooter.

old women smiling

Location and Storage

The location where the scooter is stored can also affect the cost of insurance. Scooters that are stored in secure locations such as garages or sheds may be cheaper to insure as they are less likely to be stolen or damaged. In contrast, scooters that are stored in public areas or on the street may be more expensive to insure as they are more vulnerable to theft and damage.

In addition to the above factors, other factors that can affect the cost of mobility scooter insurance include the type of scooter, the level of cover required, and the insurance provider. It is important to shop around and compare quotes from different providers to find the best deal.

Mobility Scooter Insurance Comparison

When it comes to choosing the right mobility scooter insurance provider, it can be difficult to know where to start. There are many options available, each with their own unique benefits and drawbacks. In this section, we will compare some of the most popular mobility scooter insurance providers to help you make an informed decision.

Provider A offers some of the cheapest mobility scooter insurance premiums on the market. However, it is important to note that their coverage is limited. They do not cover theft or accidental damage, and their liability coverage is relatively low. If you are looking for basic coverage at an affordable price, Provider A may be a good option.

Provider B offers more comprehensive coverage than Provider A, including theft and accidental damage. Their liability coverage is also higher. However, their premiums are slightly higher than Provider A. If you are willing to pay a little extra for more coverage, Provider B may be a good option.

Provider C is a well-known and respected mobility scooter insurance provider. They offer comprehensive coverage, including theft, accidental damage, and liability coverage. However, their premiums are higher than Providers A and B. If you are looking for high-quality coverage and are willing to pay a premium price, Provider C may be the best option for you.

Provider D offers a unique pay-as-you-go insurance model, which may be appealing to some customers. However, their coverage is limited and their premiums can be quite high. If you are looking for flexible coverage and are willing to pay a premium price, Provider D may be a good option.

In summary, there are many mobility scooter insurance providers to choose from, each with their own unique benefits and drawbacks. It is important to carefully consider your needs and budget when choosing a provider.

people discussing contract

How to Find the Cheapest Insurance

Finding the cheapest mobility scooter insurance requires a bit of research and comparison shopping. Here are a few tips to help you find the best deal:

Shop Around: Don't settle for the first insurance quote you receive. Request quotes from multiple insurance providers to compare rates and coverage options. This will help you find the best deal for your needs and budget.

Consider Your Needs: Think about what coverage you need before shopping for insurance. Do you want basic liability coverage or more comprehensive coverage that includes theft and damage protection? Consider your budget and how much you can afford to pay for insurance premiums each month.

Look for Discounts: Many insurance providers offer discounts for things like safe driving records, multiple policies, and paying in full upfront. Be sure to ask about any available discounts when shopping for insurance.

Compare Deductibles: A higher deductible can mean lower monthly premiums, but it also means you'll pay more out of pocket if you need to file a claim. Consider your budget and how much you can afford to pay in the event of an accident or theft when choosing a deductible.

Check Reviews: Before choosing an insurance provider, check online reviews to see what other customers have to say about their experiences. Look for providers with high customer satisfaction ratings and positive reviews.

5 star review

By following these tips, you can find the cheapest mobility scooter insurance that meets your needs and budget.

Importance of Adequate Coverage

When it comes to mobility scooter insurance, having adequate coverage is essential. Although it may be tempting to go for the cheapest option available, it's important to consider the potential costs of not having enough coverage.

Without adequate coverage, individuals may be left to pay out of pocket for damages or injuries that occur while using their mobility scooter. This can be particularly costly if the individual is involved in an accident with another person or vehicle.

In addition, some areas may require a certain level of insurance coverage for mobility scooters to be legally operated on public roads. Failure to meet these requirements may result in fines or legal consequences.

When shopping for mobility scooter insurance, it's important to consider the specific needs and risks of the individual. This may include factors such as the type and value of the scooter, the level of usage, and any potential risks in the individual's environment.

Overall, investing in adequate coverage for a mobility scooter can provide peace of mind and protection in the event of unexpected events or accidents.

In conclusion, finding the cheapest mobility scooter insurance can be a daunting task. However, with a little bit of research and comparison, one can find a policy that fits their budget and needs. It's important to consider factors such as coverage options, deductibles, and premiums when selecting a policy.

Some insurance providers offer discounts for safe driving habits or for bundling policies, so it's worth shopping around and asking about any available discounts. Additionally, it's important to read the policy thoroughly and understand the terms and conditions before signing up for any insurance policy.

Overall, it's important to have insurance coverage for a mobility scooter to protect oneself and others in the event of an accident or theft. By taking the time to research and compare policies, one can find an affordable and reliable insurance policy for their mobility scooter.

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The Guide to Travel Accident Insurance

Alisha McDarris

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

When it comes time to hop on a plane, train or automobile, there’s one thing that can offer some peace of mind: travel insurance. But while lost luggage, delayed flights or interrupted plans may be top-of-mind concerns, coverage for unforeseen circumstances like travel-related accidents should also be considered.

Here’s a breakdown of what travel accident insurance is, what it covers and what to know when purchasing a policy for a vacation.

Keep in mind that specific policy coverage varies by provider, so it is wise to check the terms and conditions of each provider to understand what you’re covered for. Also, you may consider applying for a travel card that offers travel accident insurance benefits .

What is travel accident insurance?

Travel accident coverage is largely what it sounds like — a specific benefit of travel insurance that provides financial protection for accidents that happen while you’re traveling. But there are limitations and variations for not only what’s covered, but also what the term means depending on the plan you select.

Travel accident insurance coverage is sometimes called "Emergency accident coverage" or "Emergency medical coverage," depending on the plan. As well, travel accident insurance may include or be offered separately from accidental death and dismemberment coverage. Jump to learn more about definitions »

Via credit cards

Chase Sapphire cardholders, for example, receive accidental death or dismemberment coverage as part of their travel accident insurance policy. Coverage applies when the cardholder pays for their air, bus, train or cruise transportation with the card.

Via third-party plans

In contrast, most policies purchased from travel insurance providers cover you no matter when or where during your travels an accident strikes (so long as you’re within your originally selected travel dates and actively traveling, but more on that in a minute).

Other policies might offer accident coverage as an optional upgrade on top of a baseline policy.

» Learn more: The best travel credit cards right now

Travel accident coverage defined

Because this type of insurance can be presented in a variety of ways, it’s important to understand the differences and read your policy for clarification.

Travel accident insurance: This coverage is often an umbrella term that includes death and dismemberment and/or emergency medical coverage. But some policies don’t use the term at all, while others use it to describe death and dismemberment benefits exclusively. Still others lump the term “accidents” in with emergency medical.

Emergency medical: This term is typically used for just what it sounds like: any sort of emergency medical care required during your travels, accident-related or otherwise. This coverage will reimburse you for any emergency medical costs up to the policy limit.

Accidental death and dismemberment : This benefit is generally a set amount, not a cost-specific reimbursement-related coverage like with emergency medical. This means that if you die as a result of an accident during your travels or have a dismemberment or severe disability, you or your chosen beneficiary will receive the flat amount listed in your policy — usually 100% of the maximum benefit in the case of death and 50% in the case of a lost limb.

Exact verbiage may differ, which can impact the sort of coverage offered versus what you think you’re getting. So always read up on the details.

» Learn more: How to find the best travel insurance

What does accident travel insurance cover?

Specific coverage differs from one policy to another.

Generally, though, travel accident insurance or emergency accident coverage, especially when lumped in with death and dismemberment benefits, will cover any sort of loss of life or limb, whether that’s eyesight, a hand or a foot, or an accident that results in required emergency medical attention during your travels.

When it’s presented as emergency medical coverage, it may also reimburse you for expenses like doctor visits, hospitalizations, necessary medication, X-rays or ambulance fees.

What's generally not covered?

Not every injury from all types of accidents is covered by every travel insurance policy.

Adventure sports. Many policies don’t cover injuries that happen as a result of extreme sports or similar activities, so if you plan on bungee jumping, mountain biking or snowboarding, you may need to consider a plan that specifically covers adrenaline-based activities .

Additional care back home. You’re covered only for accidents that occur during your trip and for medical services rendered while you’re still traveling. If you seek additional medical care after you get home, it’s usually not covered by travel insurance.

Alcohol and drugs. As a general rule, travel accident insurance (and travel insurance more broadly) doesn't cover the consequences of being under the influence of alcohol or narcotics, especially above legal limits.

Cards with travel accident coverage

Many travel cards offer built-in travel accident coverage when you use them to book a trip.

Terms and coverage vary, so make sure you read the fine print, but here's a look at some popular cards and the insurance coverage they offer.

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Reserve Credit Card

on American Express' website

Chase Ink Business Preferred Credit Card

• Travel accident: Up to $500,000.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Travel accident: Up to $1 million.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

How to choose trip accident insurance

When planning for travel and choosing accident insurance, make sure to read policy information carefully, as with all travel insurance.

Ensure that you understand the differences in coverage, payout and limitation information between offerings like travel accident insurance, emergency medical coverage, and death and dismemberment benefits. Read detailed policy information before you buy to know what’s covered and what to do if the worst happens.

American Express insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

mobility scooter travel insurance

IMAGES

  1. Your Guide To Mobility Scooter Insurance

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  2. Our Guide To Insurance For Mobility Scooters

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  3. Medicare Coverage for a Mobility Scooter

    mobility scooter travel insurance

  4. Mobility Scooter Insurance

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  5. Mobility Scooter Insurance

    mobility scooter travel insurance

  6. Understanding Mobility Scooter Insurance: What You Need to Know to

    mobility scooter travel insurance

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COMMENTS

  1. Understanding Mobility Scooter Insurance: What You Need to Know to

    Learn about mobility scooter insurance coverage and liability limitations with Mobility City. Whether you need property or liability insurance, we've got you covered. Get peace of mind with our helpful guide and expert advice on how to choose the right insurance policy for your unique situation.

  2. Are Mobility Scooters Covered by Insurance?

    Here are a few from Pride Mobility that are officially coded ( or code verified). Please note that scooters reimbursed by insurance depend on your medical need and type of insurance coverage: Go Go® ES 2 - lightweight portable scooter that comes with a front basket. Go Go Elite Traveller ® - one of our most versatile scooters that easily ...

  3. Travelling with a Mobility Scooter on a Plane: Our Useful Tips

    Protecting Yourself and Your Mobility Scooter. Damaging your mobility scooter can result in costly repairs, and it can be extremely frustrating to lose your independence while you're waiting to be able to use your scooter again. Our mobility scooter insurance policies are available in three tiers starting from just £4.40 per month.

  4. Disabled Travel Insurance

    Disabled Travel Insurance. Medical Expenses up to £10million. 24/7 Medical Emergency Helpline. Loss of Medication up to £500. Personal Possessions up to £3,000. Medical Aids up to £2,000. Cover for cancellation up to £5,000. Reduced premiums for people without medical conditions on the same policy.

  5. Navigating Mobility Scooter Insurance Cost| SeniorsMobility

    The average cost of mobility scooter insurance coverage is about $50 per month. But the amount of money that your mobility scooter insurance costs depends on the amount and type of your usage. If you use it in your home primarily, then it may be included in your renters or homeowner's insurance, making the cost of your policy significantly ...

  6. The Definitive Guide to Mobility Scooter Insurance

    An insurance policy that will cover the repair expenses and substitution of your mobility scooter in the event of vandalism, theft or damage, and. An insurance policy that will help you cover claims made against you in the event that you and your mobility scooter caused damage or injury to someone or someone else's property.

  7. 13 Tips for Air Travel With a Mobility Scooter

    Here are 13 tips to help take your mobility scooter or other mobility aid along the next time you fly. 1. Check out TSA Pre-check. If you don't already have TSA Pre-Check, get it. It will save you immeasurable time and trouble at the airport. A five-year $85 membership lets you move quicker through security without removing your shoes, laptop ...

  8. Navigating the Road to Mobility Scooter Insurance Coverage

    However, just like any valuable possession, protecting your mobility scooter is crucial. That's where mobility scooter insurance coverage comes into play. In this comprehensive guide, we will explore the ins and outs of mobility scooter insurance coverage, answering key questions and providing valuable insights to help you make informed decisions.

  9. Do I Need Mobility Scooter Insurance? Clear Answers

    The answer to this question may depend on a number of factors. For example, if the mobility scooter is used primarily indoors or on private property, insurance may not be necessary. However, if the scooter is used on public roads or sidewalks, insurance may be required by law. Additionally, insurance can provide peace of mind in the event of an ...

  10. Mobility Scooter Insurance

    Types of Mobility Scooter Insurance. There are two types of scooter insurance: Policies that cover the repair and replacement of your scooter in case of damage or theft, and. Policies that cover claims made against you if you cause someone injury or damage property. Moreover, if you hit someone with your scooter or damage someone's property ...

  11. Disability Travel Insurance

    A specialist disability travel insurance policy may include specific cover for your mobility equipment up to a certain amount - perhaps £2,000 or more. It could also pay for the cost of hiring a temporary replacement if something happens to yours. If you have to make a claim, the insurer will want to be sure you took adequate care.

  12. Personal Mobility Insurance

    1 Options for bicycles, scooters or similar motorized modes of transportation should be discussed with your State Farm agent.. 2 Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

  13. Mobility Scooter Insurance

    Personal Effects up to £250. Mobility Scooter hire whilst your scooter is being repaired up to £10 per day. International Cover 90 days per year (excluding North America and Canada). Legal Expenses up to £100,000. 24/7 Recovery service available within a 20 mile radius of your home or holiday accommodation. Puncture Care Cover.

  14. Are Mobility Scooters Covered by Medicare?

    In general, Medicare Part B covers outpatient care and DME, including mobility scooters. To get coverage for a mobility scooter, the scooter must be considered medically necessary and prescribed for use in your home.. You have to get a prescription within 45 days of your in-person evaluation. Medicare typically covers one type of mobility aid for use at home, so you can either get a power ...

  15. 10 Best Mobility Scooters Of 2024

    Best Heavy Duty Design: Golden Technologies Avenger GA541 Scooter. Best Customization Options: Pride Mobility Revo 2.0 3-Wheel Scooter. Best Sporty Design: Pride Mobility Victory LX Sport 4-Wheel ...

  16. Scooter Insurance Coverage

    OEM endorsement. This coverage helps ensure that your scooter is repaired with new parts from the original equipment manufacturer (OEM), whenever available. If an OEM part is not available, we'll issue payment based on the fair market value of the new OEM part. Available for vehicles less than 10 years old.

  17. Mobility Scooter Liability Insurance: What You Need to Know

    Mobility scooter liability insurance is essential for accident protection, even if not legally mandated. It covers injuries and property damage, offering financial security. Costs vary, so comparing quotes is crucial. The claims process involves assessing liability and settling accordingly. Overall, this insurance provides peace of mind for regular scooter users.

  18. Mobility Scooter Insurance

    Please note our Mobility Scooter Insurance policies don't include liability cover in the USA or Canada. If you're travelling on a plane, we'd advise contacting the airline in advance to ask whether your scooter type is permitted for travel. Our Mobility Scooter Insurance policies also include baggage handler cover.

  19. Mobility Scooter Insurance from Blue Badge

    Puncture Insurance. If your Mobility Scooter suffers from a puncture we will cover the cost of fixing the puncture up to a value of £50, as long as a receipt is provided for the puncture repair. Key Insurance. If your key is accidentally lost, damaged or stolen, we will pay up to £1,000 in respect of:

  20. Cheapest Mobility Scooter Insurance: What To Do

    Mobility scooters are an excellent way for people with mobility issues to get around. They are easy to use, affordable, and can be used both indoors and outdoors. However, just like any other vehicle, mobility scooters need to be insured. Insurance can protect the rider from liability in case of an accident, theft, or damage to the scooter.

  21. Your Guide To Mobility Scooter Insurance

    This policy can also ensure you receive distress payments if you are physically assaulted while using your mobility scooter, provide a replacement scooter while yours is being repaired (also insured), and cover any stolen personal items from your mobility scooter. You can get this insurance for $16.95 per month.

  22. Does Travel Insurance Cover Riding a Motorbike or Scooter?

    WorldNomads.com Pty Limited markets and promotes travel insurance products of nib Travel Services Limited (License No.1446874), at PO Box 1051, Grand Cayman KY1-1102, Cayman Islands. World Nomads Inc.(1585422), at 2201 Broadway, Suite 300, Oakland, CA 94612, USA, plans are administered by Trip Mate, a Generali Global Assistance & Insurance ...

  23. Travel Accident Insurance: What to Know

    Generally, though, travel accident insurance or emergency accident coverage, especially when lumped in with death and dismemberment benefits, will cover any sort of loss of life or limb, whether ...

  24. Mobility Scooter Insurance UK

    Many insurers provide cover for mobility scooters. We have partnered with some of the UK's leading insurance providers to help get you get the best cover for your scooter. Before buying a policy, It's always best to make sure that you understand the full details of what you are being covered for, as you would not like to find yourself ...