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Mobility Scooter Insurance UK (Guide For 2021)

Even the most cautious of mobility scooter drivers can find themselves in situations beyond their control. Mobility scooter insurance policies are designed to offer the peace of mind you need to keep moving forward. If you’re curious about buying insurance for mobility scooters, we’ve taken the time to answer a range of common questions that we often receive.

Do I need mobility scooter insurance?

While mobility scooter insurance isn’t a legal requirement, it is recommended by the UK government. Insurance can offer a sense of security in a range of unfortunate scenarios, such as accidental damage, theft, and accident cover. To protect yourself against potential third-party liability claims, you should have adequate mobility scooter insurance in place.

How much does insurance for mobility scooters cost?

At Aspire2 Mobility, we can offer insurance for mobility scooters. When it comes to performing daily activities, many of our customers depend on their scooters. Whether you have a Class 2 mobility scooter (pavement) or a Class 3 mobility scooter (pavement and road), we can offer a range of affordable mobility scooter insurance plans to give you peace of mind. 

What does scooter mobility insurance cover?

While specific plans may vary, scooter mobility insurance can cover the following areas:


  • Third-party liability: This will cover you in the event that you cause an accident or damage to another person or their property while using your mobility scooter.

  • Puncture care: This will cover you in paying for the repair of a tyre puncture. Although, there’s unlikely to be any cover for damage to tyres used while punctured.

  • Breakdown cover: This will cover you in paying for UK breakdown and accident assistance. Depending on the plan, this should include recovery to your home.

  • Where can I get independent advice on using a mobility scooter?

    If you’re looking for independent advice on using a mobility scooter, we would recommend taking a read through a free booklet from The Department for Transport. This provides some essential guidance on the use of mobility scooters and powered wheelchairs on the road. You can take a read through the free booklet from The Department for Transport here.

    Is my manual wheelchair covered by my mobility scooter insurance?

    Manual wheelchair cover is typically provided with all mobility scooter insurance plans.

    Does my mobility scooter have to be insured at my home?

    Depending on the plan you choose, it should be possible to ensure your mobility scooter either at your home or at your UK holiday home. Some policies may include international cover for a set number of days. For instance, you may be covered to use your mobility scooter abroad for several weeks. All of these details will be included in any policy you choose.

    Do I need to register my mobility scooter with DVLA?

    While you do not need a licence to drive a mobility scooter or powdered wheelchair, you may need to register it with the authorities. Only certain types of mobility scooters can be driven on the road. The law refers to these types of vehicles as invalid carriages. Powered wheelchairs and mobility scooters come in two different types of categories:

    • Class 2 invalid carriages: These are not allowed to be used on the road (except where there isn’t a pavement) and have a maximum speed of 4mph.

    • Class 3 invalid carriage: These are allowed on the road. Off the road, they have a maximum speed of 4mph. On the road, they have a maximum speed limit of 8mph.

    It’s essential that you register Class 3 invalid carriages. You do not need to register Class 2 invalid carriages. If you have any further questions on this, you should contact the authorities for specific guidance. They will have the expertise and knowledge to provide you with answers to your questions. This article is not offering legal advice.

    Who else can I put on my insurance?

    It’s important to remember that these insurance policies cover the mobility scooter, not the driver. You do not need to add anyone to your policy. The vehicle will still be covered while they use it. Although, it’s worth noting that their use of the scooter must be with your permission.

    Do these insurance policies come with age limits?

    In the vast majority of cases, you must be over 18 to cover your mobility scooter. There is no upper age limit. In some instances, insurance companies will cover third-party liability and personal accident claims for those aged 16 and over. Ultimately, it all depends on what is included in your policy and you can contact the insurance company directly for clarity on this.

    How do I make a claim if my mobility scooter breaks down?

    To make a claim if your mobility scooter breaks down, you will need to get in touch with the insurance company using the contact details previously supplied to you. Upon signing up for a plan, you will be given clear instructions on how you can make a claim if your mobility scooter were to break down. A representative will guide you through any complexities that arise.

    How can you sign up for mobility scooter insurance?

    If you want to start exploring mobility scooter insurance, we would recommend taking a look at the policies that come with our extensive range of Class 3 scooters and off-road scooters. We can offer a selection of plans to meet your needs. With varying levels of commitment, we can provide you with cover to keep your mind at rest, enabling you to stay mobile.

    Insurance for mobility scooters isn’t a legal requirement but we strongly recommend that you consider getting some form of cover. When unfortunate events happen, you don’t want to be in a situation where you’re unable to meet the costs of vehicle repairs. If you depend on your scooter as an essential form of transport, making sure you have the necessary cover is critical.