Wondering how much it costs to insure a mobility scooter? Although insurance isn’t a legal requirement in the UK, having cover in place can save you a lot of stress if something unexpected happens, like theft, damage or an accident.
The cost of mobility scooter insurance policies varies depending on your scooter’s value and the level of protection you choose. But it can be a small price to pay for peace of mind.
In this guide, you’ll find everything you need to know about insurance costs, including the different types of cover available, what affects the price and how to choose the right policy for you.
Here’s what to expect when insuring your mobility scooter and how to find the right balance between cover and cost.
Do you need insurance for a mobility scooter?
You don’t legally need insurance for a mobility scooter in the UK. According to GOV.UK, insurance isn’t required, but it’s recommended to help protect you and your scooter.
Why? Because even the most careful rider can face unexpected situations. Insurance can cover the cost if your scooter is stolen, damaged or involved in an accident. It can also protect you if someone else is injured or property is damaged while you’re using your scooter. This is known as public liability cover.
Even though it’s optional, mobility scooter insurance can save you significant expense and worry in the long run. It’s about peace of mind. Knowing that if something does go wrong, you’re covered.
How much does mobility scooter insurance cost?
Most mobility scooter insurance policies in the UK start from around £40 to £65 per year, depending on the level of cover you choose. For higher-value mobility scooters or more comprehensive protection, prices can rise to £100+ per year.
Here are examples from well-known UK insurers. Plus the option offered through our trusted partner, Mark Bates Ltd:
|
Provider |
Starting cost |
Key cover |
Available add-ons |
|
From £38/year |
Theft, accidental damage, £2m public liability |
Breakdown, puncture and travel cover |
|
|
From £45/year |
Theft, damage, £2m liability, 24/7 recovery |
Key loss, hire scooter and travel cover |
|
|
From £65/year |
Theft, accidental damage, breakdown and recovery |
Worldwide holiday cover up to 90 days |
|
|
From £50/year |
Theft, accidental damage, £2m public liability |
Hire scooter, puncture and accessory cover |
|
|
Standard: £96/year Plus: £131/year |
Public liability, accidental damage, theft, vandalism, 24/7 national breakdown recovery, no excess |
Puncture cover, hire scooter, extended warranty options |
The estimated prices above usually include protection for theft, accidental damage and public liability. These are the essentials that most riders choose.
When you consider the value of your scooter and the potential cost of repairs or replacement, insurance can be a small and worthwhile investment for long-term peace of mind.
Mobility scooter insurance with Mark Bates Ltd
If you’d like something simple and trusted, we also offer insurance through our partner, Mark Bates Ltd. This family-run UK company has more than 25 years’ experience and offers policies designed to give you straightforward protection with no excess to pay.
Plus, they offer options for national breakdown recovery, puncture cover and extended warranty plans. It’s an easy way to keep your scooter protected and enjoy a little extra peace of mind when you’re out and about.
What types of cover can you get?
Mobility scooter insurance in the UK usually includes several levels of protection. The types of cover you can expect include:
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Theft and accidental damage — Covers the cost of repair or replacement if your scooter is stolen, vandalised or accidentally damaged.
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Public liability — Protects you if someone is injured or their property is damaged while you’re using your scooter. Many policies include up to £2 million of liability cover.
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Personal accident cover — Offers financial help if you’re injured while using your scooter.
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Breakdown and recovery — Provides roadside assistance if your scooter stops working, which is handy if you’re out and about.
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Holiday cover — Some providers include up to 90 days’ cover abroad, so you’re protected when travelling.
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Optional extras — Things like puncture repair, key cover or a temporary hire scooter while yours is being fixed.
Providers such as Surewise, ETA and Blue Badge Mobility Insurance offer flexible policies with different combinations of these benefits. Even a basic plan can give you reassurance for everyday use, so you can enjoy getting out and about without worry.
What affects the cost of insurance?
The price you pay for mobility scooter insurance depends on five key factors.
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Scooter value — More expensive models cost more to insure because they’re pricier to repair or replace.
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Level of cover — A policy that includes extras like breakdown recovery or international travel will naturally cost more than basic theft and damage cover.
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How and where you use it — If you travel frequently or take your scooter abroad, premiums can be slightly higher.
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Storage and security — Keeping your scooter in a locked garage or using an alarm may reduce your cost.
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Personal details — Things like your address or past claims history can affect your premium, as insurers consider local theft risk and experience.
It’s worth reviewing your scooter’s value and how you use it before you buy insurance. That way you can choose the right balance of protection without paying for more than you need.
What’s usually covered by mobility scooter insurance – and what’s not?
Every insurer offers slightly different terms, but most UK mobility scooter insurance policies cover the essentials, while also leaving out a few things.
Usually covered:
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Theft, vandalism and accidental damage
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Third-party injury or property damage, known as public liability
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Personal accident protection
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Breakdown and recovery, if included in your plan
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Limited worldwide or holiday use, which is often up to 90 days
Not usually covered:
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General wear and tear
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Damage caused by neglect or misuse
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Racing, stunts or unapproved modifications
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Leaving your scooter unlocked or unattended
Many insurers offer optional extras like puncture repair, hire scooter cover or key loss protection for added reassurance.
Being clear on what’s included helps you avoid surprises later and make sure your scooter is protected in the ways that matter most to you.
How to choose the right insurance for your scooter
Finding the right policy doesn’t need to be complicated. Here’s a simple checklist to help you compare confidently:
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Compare at least three providers — Look at what’s included, not just the price.
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Check public liability and breakdown limits — Aim for at least £2 million liability cover.
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Confirm if you need travel or holiday cover — Especially if you plan to take your scooter abroad.
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Consider your scooter’s value and replacement cost — Make sure the payout would cover a like-for-like model.
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Read exclusions carefully — Know what isn’t covered before you buy.
It’s not about finding the cheapest deal, but the one that best fits your lifestyle and how you use your scooter. The right policy gives you confidence to get out and enjoy life your way.
Is mobility scooter insurance worth it?
While mobility scooter insurance isn’t a legal requirement in the UK, it’s one of the simplest ways to protect your independence. With policies typically ranging from around £40 to £100+ per year, it offers affordable peace of mind against theft, damage and unexpected accidents.
Taking a little time to compare cover options helps you find the right fit for your scooter and your lifestyle. Whether you’re heading to the shops, visiting family or exploring further afield, you can ride with confidence knowing you’re protected.
Explore our lightweight mobility scooters, including the F-2 Mobility Scooter and F-3 Mobility Scooter. They’re both crafted in the UK for comfort, reliability and freedom to live life your way. Get in touch to see if they’d suit you.
Mobility scooter insurance FAQs
Do you legally need insurance for a mobility scooter?
In the UK, mobility scooter insurance isn’t required by law, but it’s strongly recommended to protect you against theft, damage and liability claims.
How much does mobility scooter insurance cost per year?
Mobility scooter insurance policies start from around £40 per year, rising to anything up to and over £100 depending on your scooter’s value and the level of cover you choose.
What’s included in mobility scooter insurance?
Typical policies include theft, accidental damage and third-party liability. Many also offer optional extras like breakdown recovery, puncture repair or holiday cover.
Can my home insurance cover my scooter?
Home contents insurance may cover your scooter while it’s at home, but it usually doesn’t include public liability or protection when you’re out using it.
Does insurance cover breakdowns?
Some policies include breakdown and recovery as standard, while others offer it as an optional add-on for extra peace of mind.
What about mobility scooter warranties?
Alongside insurance, you can also choose a warranty for extra reassurance once your manufacturer’s guarantee expires. If you choose Mark Bates Ltd, you can cover new scooters for up to four years, and used scooters for up to three years.
