Do I need insurance for mobility scooters?

Written by
Isabella Williams

We often get asked the question do I need insurance to go with my mobility scooter? The short answer is, no. There is no legal requirement to have insurance as, as you need for a car.

But even the most careful of drivers can fall victim to circumstances out of their control. That’s why at Middletons we will always strongly recommend purchasing an insurance and warranty policy for your safety, peace of mind and to keep you mobile.

A little bit about our provider…

Mark Bates logo Mobility insurance

We have teamed up with Mark Bates Ltd who provide outstanding insurance policies, specially catered to mobility scooters and powered wheelchairs. They have a 9.3 out of 10 Trustpilot score, which speaks volumes about their standard of service and quality of their product.

Mark Bates is a family run business with 25 years’ experience in providing specialist insurance and warranty policies. The award-winning company specialises in providing the best insurance for the disabled and over 50s. Mark Bates, the managing director, wanted to focus on a sector of society where insurance is most needed. He says,

“I know from first-hand experience how vital help is when your health fails and how important it is to protect yourself from personal injury claims, particularly in today's compensation culture. This is my driving force and why I am so passionate about continuing to provide the very best insurance facilities for people with such specific requirements.”

What makes them unique is their dedication and consideration towards you. The long-standing team have real ownership of the business that translates into a professional and patient attitude, and we love working closely with them. Click here to see for yourself.

What is in the mobility scooter insurance policy?

The invalid carriage insurance covers...

24/7 National Accident Recovery

Our specialist team are available 24 hours a day, seven days a week on a free phone number. One call will get both you and your equipment home if you have become stranded due to a breakdown, no matter where you are in the country.

Puncture Repair (with Plus cover only)

If you have a puncture at home or when you’re out and about, we will fix it for you.

Accidental Damage

This includes damage by fire, storms and floods.

Public Liability (up to £5 million available)

This protects you from compensation claims and covers the cost if you have an accident causing injury to other people or their property.

Theft and Vandalism

If you’ve been a victim of theft or vandalism and your mobility scooter has been stolen or defaced, we will repair your scooter quickly or replace it.

90 Day Worldwide Cover (including baggage handling)

Benefit from 90 days of worldwide cover so you can feel safe abroad knowing your equipment is covered while you’re away on holiday.

What is included in the Premier Care Warranty Policy?

Premier Care (the trading name for Mark Bates LTD) also provides market-leading warranties for new and used mobility scooters and powerchairs.

The worst situation is when your vehicle needs repairs but the manufacturer’s warranty has expired, leaving you with some expensive bills. This is where Mark Bates comes in! Make Bates’ warranties cover vehicles valued up to £5000, and are designed to ensure you are mobile again as soon as possible if your vehicle needs repairing.

The warranty includes…

·     Mechanical and Electrical Breakdown.

·     The full cost of Parts, Callout and Labour.

What are the different insurance policies and warranties you provide?

Mark Bates Ltd is passionate about keeping the elderly and disabled mobile. So, they have designed their Premier Care range of policies to do just that. We fully appreciate the importance of helping you quickly and efficiently, get mobile again as soon as possible so we've laid them out for you, so you know exactly which one to choose what's best for you.

Their Plus insurance comes with full breakdown cover and recovery, meaning we will recover you home even if you suffer a puncture or battery failure.

  Standard Plus
Personal Liability £2 Million £5 Million
24/7 National breakdown recovery standard full
Accident damage, fire, storm and flood YES YES
Theft and Vandalism YES YES
90 Days worldwide cover YES YES
Baggage handling & in-flight cover YES YES
No claims bonus YES YES
Loss of keys YES YES
New for old replacement 2 years 3 years
Personal effects cover £150 £300
Personal injury/ Accidental death £1,000 Up to £5,000
Temporary hire cover (cover up to) £7 a day £10 a day
Hospitalisation benefit (cover up to) £7 a day £15 a day
Dental cover £150 £300
Pet cover £150 £300
Any driver cover NO YES
Puncture cover NO YES
Manual wheelchair insurance NO YES
Legal expenses  NO Up to £25,000


Policy options

Insurance 1 year 2 years 3 years
Standard £86 £149 £209
Plus £119 £209 £299


Warranty 1 year 2 years 3 years 4 years
New £124 £208 £301 £404
Old £141 - - -


Need more information?

If you have any questions about our insurance or warranty policies please call us free on 0800 999 2831

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