Jan 2012 With the House of Commons arguing over whether or not a mobility scooter should be required to have insurance and the DVLA upping its claims that some kind of regulation ought to apply, it’s time to think about mobility scooter insurance. Insurance companies are waking up to the fact that there’s a market out there that may soon be legally bound to purchase mobility scooter insurance; transport authorities are pressing the idea of tests and licensing for mobility scooters (which means that, like a car, you’ll need mobility scooter insurance in tandem with your licence); and mobility charities like mobilise are strongly advising their members to take out mobility scooter insurance to protect themselves and others in advance of a possible change in the law.

Like all transport insurance, mobility scooter insurance is split into two basic parts: insurance for your vehicle and insurance against accidental harm or damage caused to those who may be affected by its use. Mobility scooter insurance taken out for the vehicle will protect you if your scooter is damaged or stolen, providing repair costs and even replacement vehicles: third party mobility scooter insurance can give protection against claims made on you by people or establishments you may accidentally harm whilst using your vehicle.

Accidents involving mobility scooters are rising: with an ageing population and an increase in affordable mobility technology, there are more scooters available and more people using them. Mobility scooter insurance is an affordable and effective way to sidestep any problems that could be raised by this increased volume of traffic – and with this greater saturation of mobility scooters in streets and shops looking increasingly likely to lead to a change in the law, mobility scooter insurance is also the only definitely safe way to make sure you’re ahead of the game if licensing becomes mandatory in the near future.

The DVLA notes that, while it is not law that persons owning or using a mobility scooter should take out insurance, it is “strongly advised”. Mobility scooter insurance schemes are inexpensive and can be tailored to fit the needs of any mobility scooter user – whether they require comprehensive motor scooter insurance immuring them against theft, damage or accident; or a mobility scooter insurance package tailored to meet a specific need. Whatever mobility scooter insurance package you decide to take out, you’ll know this: with the probable advent of mobility scooter licensing not so very far away, your insurance is going to make certain that you are legally covered when the time comes. Get ready for it – take out mobility scooter insurance and continue to use your freedom with peace of mind.

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