Mobility Scooter Insurance and UK Laws & Regulations

At TGA Mobility, we take pride in the quality and reliability of our products. If your scooter or powered wheelchair is well maintained and regularly serviced, you shouldn’t run into many issues.

But things can still go wrong. Whether it’s a breakdown, an accident, or even theft, having the right insurance policy can make all the difference. That’s why many mobility scooter and powered wheelchair users choose a specialist insurance provider to make sure they’re fully covered.

So, whether you enjoy a trip into town on a Class 2 scooter or like to explore country lanes on a Class 3 model, it’s worth understanding what mobility scooter insurance actually covers and whether you need it.

*Insurance regulations may change. For the latest legal requirements, refer to Gov.uk.

Do You Need Insurance for a Mobility Scooter?

Unlike cars, mobility scooter insurance isn’t a legal requirement in the UK. But is it a good idea? Absolutely.

Accidents, theft, and breakdowns can be costly. If you don’t take out insurance, you’re responsible for all repairs and replacements.

Here’s what the UK Government and DVLA say:

• Class 2 mobility scooters (4mph, pavement use) do not require registration or insurance, but coverage is recommended.
• Class 3 mobility scooters (8mph, road legal) must be registered with the DVLA, and while insurance isn’t mandatory, the government strongly advises having it.
• The Gov.uk website states that third-party liability cover is highly recommended for road-going scooters (source).

So while you won’t get fined for riding without insurance, you could face high repair bills or legal costs if you’re involved in an accident.

What Does Mobility Scooter Insurance Cover?

A good insurance product protects you, your scooter, and others. Here’s what most mobility scooter insurance policies typically include:

• Accidental damage – Covers repair costs if your scooter is damaged in an accident.
• Theft, vandalism, or loss – If your scooter is stolen or damaged maliciously, your policy will compensate you.
• Breakdown cover – Helps you get back home or to a repair centre if your scooter stops working.
• Third-party liability – Covers legal and compensation costs if you damage property or injure someone.
• Personal injury cover – Provides financial support if you are injured while using your scooter.
• Puncture repair – Covers tyre repairs if you get a flat.

Some insurers also offer worldwide cover, so if you’re taking your scooter on holiday, it’s worth checking if you’re protected abroad.

How Much Does Mobility Scooter Insurance Cost?

The cost of mobility scooter insurance varies, but on average, you can expect to pay between £100 to £300 per year, depending on your coverage level.

Here’s a breakdown of current UK insurance costs from major providers:

What Are Excess Fees?

Most insurers require you to pay an excess fee before covering the rest of your claim. For example, if your policy has a £50 excess and your claim is £300, you pay £50, and the insurer covers £250.
Choosing a lower excess usually means higher premiums, while a higher excess lowers premiums but increases out-of-pocket costs when making a claim.

Exclusions: What’s NOT Covered?

Insurance doesn’t cover everything. Here’s what most policies exclude:

• Wear and tear – Routine maintenance, such as battery replacement or worn tyres, isn’t covered.
• Reckless use – If you cause damage while riding irresponsibly, your insurer may refuse to pay out.
• Unauthorised use – If someone else rides your scooter and has an accident, you may not be covered.
• Theft without a police report – If your scooter is stolen, you’ll need an official police report to claim compensation.

Always read the policy’s fine print so you know exactly what is and isn’t covered.

How to Compare Mobility Scooter Insurance Providers

Not all policies are the same, so it’s worth comparing:

• Cost – Find a policy that fits your budget without sacrificing key coverage.
• Coverage – Ensure it includes everything you need, such as breakdown assistance and theft protection.
• Excess fees – Check how much you’ll pay out of pocket if you make a claim.
• Policy extras – Some insurers include additional benefits like worldwide cover or puncture protection.

To compare insurance options, try using:

• MoneySuperMarket
• Compare the Market

Checking customer reviews on Trustpilot or insurer websites can also help you assess service quality before committing to a policy.

How to Switch or Cancel Your Insurance

If you find a better deal, switching insurers is easy:

1. Check your current policy’s cancellation terms – Some require 30 days’ notice.
2. Get a quote for your new policy – Ensure it offers the same or better coverage.
3. Overlap policies to avoid coverage gaps – Start the new policy before cancelling the old one.
4. Cancel your direct debit after confirmation – Ensure you receive written confirmation of cancellation.

Most insurers process refunds within 14–30 days after cancellation, so check your provider’s policy on refunds.

Making a Claim: What to Expect

If something goes wrong and you need to make a claim, follow these steps:

1. Contact your insurer – Report the incident as soon as possible.
2. Provide evidence, such as:
   1. Photos of damage
   2. A police report (if stolen)
   3. Receipts for repairs
3. Wait for approval – Your insurer will review your claim and confirm if it’s covered.

Keeping your policy number, receipts, and any police reports handy will speed up the process.

Is Mobility Scooter Insurance Worth It?

If your scooter is essential for daily life, insurance is a small price to pay for peace of mind.

For as little as £2 per week, you can protect yourself from theft, breakdowns, accidents, and unexpected costs.

And if you’re using a Class 3 scooter on the road, it’s strongly recommended to have third-party liability insurance—just in case.

For more details on insurance options, or if you’re considering a new mobility scooter, call 0800 107 5349 or email info@tgamobility.co.uk.

We’re happy to send you a free brochure or arrange a personal demonstration.