From
£5.75/month
Trustpilot
Excellent
Excess
None
Based in
Grantham, Lincs
Reviewed by Karen Purnell, Editor · Last checked 11 September 2026
Mark Bates Ltd is an insurance company serving the disability and independent living sector, based in Grantham, Lincolnshire, and FCA-authorised (firm reference 308390). It also appears on our mobility scooter comparison under its own brand.
Is Mark Bates carers insurance any good?
Mark Bates holds an “Excellent” rating on Trustpilot from more than 21,000 reviews — one of the largest review volumes of any insurer we compare on this page. Customers consistently praise straightforward, jargon-free phone support and a smooth claims process, though as with any insurer there are occasional complaints, so it's worth reading a page or two of recent reviews before buying.
How much does Mark Bates carers insurance cost?
Mark Bates advertises its personal care assistant insurance from £5.75 a month (around £69 a year), with instant cover available online.
What does Mark Bates cover?
Mark Bates' personal care assistant policy includes:
- Public liability cover for bodily injury or property damage to third parties while providing care
- Income protection included free — weekly benefit payments if you can't work due to accident or sickness
- Personal accident cover for accidents occurring while working
- Personal possessions cover up to £5 million (fragile items capped at £1,000)
- A 24-hour employment support helpline for tax and legal advice
- No excess, regardless of fault
Cover extends to self-employed PAs working independently or through an agency, and includes domestic work, medication administration, and minor pet or childcare duties where these form only a small part of the role. Using your own vehicle for work travel needs separate confirmation on your car insurance.
Mark Bates pros and cons
Pros
- Free income protection — not standard among competitors
- No excess on any claim
- Very large, consistently excellent Trustpilot review volume
- £5m personal possessions cover, unusually high for this product type
Cons
- Fragile personal items are capped at £1,000, lower than the headline possessions limit suggests
- Pet and childcare duties only covered if a minor part of the role — check this applies to your situation
- Own-vehicle use for work needs separate car insurance confirmation
Our verdict on Mark Bates
Mark Bates stands out for bundling free income protection with its public liability cover — a genuine point of difference for self-employed PAs who'd otherwise have to buy that separately. Combined with no excess and a strong review track record, it's a solid option worth quoting alongside the others here.
Pricing and review scores correct at time of writing (September 2026) and sourced from Mark Bates Ltd's own website and Trustpilot. Policy terms and prices are set by Mark Bates Ltd and may change — always check current details directly with the provider before buying.