A lot of people fall short to insure their mobility items such as driven mobility scooters wheelchairs and Stairlifts.
For goods like Chairlifts and wheelchair lifts insurance cover would mainly be for breakdown repairs. Repair payments can be quite overpriced for this kind of item and getting hit with a hefty repair bill can cripple your annually living budget.
Insurance coverage for driving powered scooters / Wheelchairs on the main streets or open public footpaths is not a legal requirement at this moment in time in the UK. If the Scooter is a Class 3 model you are expected to register it with the DVLA.
It would be clever to take out an insurance coverage to safeguard your mobility scooter / wheelchair against unintentional harm, theft and 3rd party liability, in case of damage or injury to another person or their house.
Being left stranded from home! If you're unfortunate to have your mobility scooter break down when out on a daily shopping trip is a common occurrence. Many owners never consider breakdown cover until it's too late and they find themselves and their scooter stranded at the local shopping centre or bank etc.
Insurance cover against theft is something most mobility owners never take on board. One would think they would never need such cover. Surely no one would be that low to steal a mobility scooter? I find this hard to say! In this day and age nothing is sacred and there are now monthly reports of mobility scooters and powered wheelchairs plus other types of mobility equipment being robbed.
Like most people we all think of insurance as just another money making scheme where the insurance companies can nail your hat on and never have to pay out on claims due to implementing high excess clauses etc.
With that mentioned could you afford to renew a costly mobility item such as a powered scooter or wheelchair if it went missing or got stolen? Unlikely so take heed and ensure all your mobility products are covered for all types of emergencies that could crop up leaving you stranded and well out of pocket.
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