Are you wondering how much is mobility scooter insurance?
A few years back, I decided to insure my father’s mobility aid after an accident in the street, so I’m familiar with the process.
So, I’ll try to answer all your question about scooter insurance and help you find the right insurance provider for you.
Just keep reading.
Table of Contents
- The cost of mobility scooter insurance depends on the levels of coverage and the type of scooter.
- You’re not required by law to insure your mobility aid, but it’s extra protection against theft and better for your personal safety.
- There are plenty of online options for insuring your mobility vehicle at a reasonable cost.
How Much Is Mobility Scooter Insurance?
You can expect to pay around $100 per year for mobility scooter insurance. It will depend on what type of insurance policy you choose, your vehicle’s age, and your purchase price.
Surewise, one of the cheapest mobility scooter insurances in the UK costs £38.50 per year or 3.85 per month and covers manual wheelchairs. Check this video for more information. (1)
The price can increase for more comprehensive coverage, but most insurance companies accept monthly payments so that you can spread the cost (a tip: the annual price is cheaper in the long run).
In the USA, some home insurance plans cover mobility devices so that you can have your vehicle insured at no additional cost.
But are you required by law to get insurance for mobility scooters? The answer is surprising!
Do I Need an Insurance Policy for My Mobility Scooter?
At the time of writing this article, no law specifies mandatory insurance for mobility scooters, electric wheelchairs, and other mobility aids. But why?
Scooters have an average maximum speed of around eight miles per hour. According to the law, you need liability insurance for vehicles with an engine of 50cc and a speed of 30-40 mph. (2)
Still, a scooter is an expensive assistive device, so you’d want to be protected in case of theft, accidental collision, malicious damage, bodily injury, or breakage.
If you accidentally damage another vehicle or property, it’s also better to have insurance to pay for any repairs or cover medical bills.
More importantly, insurance policies can also cover the cost of your electric mobility scooter breaking down in the middle of the road.
You also get recovery assistance, which is great if you’re not mobile enough to return home without the assistance of your mobility aid.
But what about Medicare? What does it cover?
Does Medicare Cover Mobility Scooters?
Medicare is a type of medical insurance for people with disabilities or mobility issues.
It can cover the cost of a manual wheelchair, power wheelchair, or mobility scooter if your condition requires one. (Check this article for more information)
According to Medicare Interactive,
“Medicare will pay to replace equipment that you rent or own at any time if it is lost, stolen, or damaged beyond repair in an accident or a natural disaster.” (3)
However, you have to provide proof of the damage/theft. And Medicare won’t pay for any property damage in case of an accident.
Moreover, Medicare has a lot of requirements regarding medical equipment, and you don’t have many choices when it comes to electric wheelchairs or scooters.
So, where can you get your scooter insured? Let’s find out!
Where Can I Get Mobility Scooter Insurance Policy?
You’ve got several options if you want to purchase an insurance policy for your mobility aid:
- Talk to your car insurance company. Some offer coverage for mobility devices.
- Search online for insurance companies near you that deal with wheelchairs and other types of assistance devices.
- Visit the local insurance agencies in your city.
But what about online retailers that sell powered wheelchairs and mobility scooters? Do they offer insurance?
Do Online Retailers Sell Insurance Policies?
Usually, online retailers don’t offer insurance for their products. Instead, you get a warranty. And there’s a vast difference between warranty and insurance.
A warranty covers expected events, for example, the eventual breakage of parts due to wearing or malfunctioning electronic components.
Insurance covers unexpected events, such as accidental damage from someone hitting your vehicle in the parking lot, theft, or personal accident where you get hurt.
In other words, the warranty will cover the cost of your motor not working because of a mechanical problem. But it won’t pay if you get your motor damaged in a collision accident.
Still, you can talk with the online suppliers or the customer support team, and they can recommend an insurance company.
But what should you look for when shopping for insurance policies for the best mobility scooter? Let’s find out!
What to Consider When Shopping for Insurance Policies?
It’s not that hard to find the right insurance policy for you. You must keep a few things in mind to ensure you get the best deal and the lowest price for the best mobility scooters for outdoors.
1. Where You Use Your Scooter
Think about the usage location. If you’re going to ride your lightweight scooter at home, you don’t really need liability coverage, but you should insure against theft.
2. What’s Included in the Package?
Check whether the insurance will pay the hire costs for a loan vehicle if yours breaks down and needs to be repaired. Also, ask if it covers recovery assistance, personal accidents, or legal expenses.
3. Check the Insurance Cap
Insurance will cover the liability and recovery costs up to a certain amount. And it may not cover the increase in the price of your vehicle if you do upgrades or add expensive accessories.
4. Customer Support
Check the conditions for customer support and whether you can rely on them 24/7 in emergencies.
5. Can You Tailor the Insurance?
Ask if your policy can include key replacement ( check these tips on starting a mobility scooter without a key) or cover any other mobility aids you have.
Can You Insure a Mobility Scooter?
Yes, you can insure a scooter for accidental damage, liability, or theft or opt for a comprehensive package, but you’re not required by law to do so.
Does a Mobility Scooter Need a Number Plate?
No, there’s no legal requirement for a license or number plate for mobility scooter users. However, you should check the regulations of your country/state.
Do I Have to Register My Mobility Scooter with DVLA?
It depends on the scooter’s class. You don’t have to register Class 2 mobility scooters since they’re not permitted on roads, but you need to register a Class 3 invalid carriage.
How much is mobility scooter insurance? You can expect to pay $100-150 annually to insure your mobility vehicle against theft, vandalism, liability, and malicious damage.
Since mobility scooters don’t usually travel on roads, you’re not required to get such insurance, but I recommend it for your peace of mind.
What do you think about this topic? Do you have mobility scooter insurance? Tell us about your experience in the comments.
- 1. Mobility Scooter Insurance [Internet]. Surewise.com. [cited 2022 Oct 11]. Available from: https://www.surewise.com/mobility-scooter-insurance/
- 2. Scooter and Moped Insurance Quotes [Internet]. www.progressive.com. [cited 2022 Oct 11]. Available from: https://www.progressive.com/motorcycle/scooter-moped-insurance/
- 3. Replacing DME [Internet]. Medicare Interactive. [cited 2022 Oct 11]. Available from: https://www.medicareinteractive.org/get-answers/medicare-covered-services/durable-medical-equipment-dme/replacing-dme