Compare Mobility Scooter Insurance
Your mobility scooter gives you independence — mobility scooter insurance protects it. Although not a legal requirement, cover is strongly recommended by the Department for Transport. Some of the best policies start from less than £40 a year.
Compare providers
Surewise Insurance
From £3.80/month or £38.00/year
- Third party liability: £2 million
- Theft, loss or damage
- Optional cover for punctures & breakdown
Fish Insurance
From £85.00/year
- Theft, loss or damage
- No age limit — any user
- Optional breakdown & recovery
ETA Mobility
From £65.00/year
- Theft & damage cover up to £10,000
- Third party liability: £2 million
- Personal accident cover
Just Mobility
From £69.50/year
- Works with mobility shops across the UK
- Warranty cover available
- Optional puncture and breakdown cover
Eden Mobility
From £96.00/year
- Theft & damage cover
- Third party liability
- Personal accident cover
Adrian Flux Insurance
From £72.19/year
- Third party liability
- Theft, loss and damage
Mark Bates Ltd
From £96.00/year
- Accidental damage, theft, fire, flood
- 24/7 national breakdown recovery included
- Personal liability & Premier Club Rewards
Prices correct at time of last update. Always check directly with the provider for current pricing.
What does mobility scooter insurance cover?
Public liability
The most important cover. Protects you if you accidentally injure a pedestrian or damage property. Standard limits are £2–5 million.
Theft, loss and damage
Covers repair or replacement if your scooter is stolen, vandalised, or damaged in an accident.
Breakdown recovery
24/7 recovery service if you break down away from home. Often an optional add-on — check the policy.
Any user
Most specialist policies cover the scooter, not just the named driver — so a carer or family member is also covered.
Common questions
Is mobility scooter insurance a legal requirement?
No — it's not legally required for Class 2 or Class 3 scooters. However, the Department for Transport strongly recommends it, particularly for public liability cover.
What is the difference between a Class 2 and Class 3 mobility scooter?
Class 2 scooters are limited to pavements and pedestrian areas with a top speed of 4mph. Class 3 scooters can be used on public roads at up to 8mph and must be registered with the DVLA. Most insurance policies cover both classes — check when you get a quote.
Does home insurance cover my mobility scooter?
Standard home insurance contents policies rarely cover mobility scooters, especially outside the home. A specialist mobility scooter policy gives you proper public liability cover, which home insurance almost never includes.
Can I insure a second-hand or used mobility scooter?
Yes — all the providers listed above will insure second-hand scooters. You will need the make, model, and approximate value. Cover is based on market value, not purchase price.
What happens if someone else is injured by my scooter?
Public liability cover pays compensation, legal costs and medical expenses if you injure a third party or damage their property. This is the most important cover to have — limits typically start at £2 million.
Who can use a mobility scooter?
Anyone with a mobility issue as a result of injury, physical disability or medical condition. Class 3 scooters can be used on the road; Class 2 scooters are limited to pavements and pedestrian areas.
Do I need a licence?
No licence is required as long as you have a valid reason for use.
Do I need to tax my mobility scooter?
Class 2 scooters don't need vehicle tax. Class 3 scooters must be registered with the DVLA, though the tax is free of charge.
How to choose the right policy
Not all mobility scooter insurance policies are the same. Here is what to check before you buy:
Public liability limit
Look for a minimum of £2 million. Some policies offer £5 million — important if you use your scooter on busy roads.
Any driver cover
Check whether the policy covers only you or also family members and carers who might use the scooter.
Breakdown recovery
Some policies include 24/7 roadside recovery; others offer it as a paid add-on. Worth having if you travel far from home.
Further reading: Your Essential Guide to Mobility Scooter Insurance — and see UK Mobility Scooter Charities if cost is a concern, or our Complete Guide to Rollators.
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