Mobility Scooter Insurance FAQs
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There is no legal requirement for mobility scooters to be taxed or insured, but they are subject to various rules and regulations the most important of which we’ve listed below.
There are two categories of mobility scooter. Class 2 mobility scooters have a maximum speed of 4 mph and are not entitled to be used on the road, except where there isn’t a pavement. This type of mobility scooter does not need to be registered. Class 3 mobility scooters have a maximum speed of 8mph and can be used on the road. They also have a speed setting of 4 mph for use of pavements. You must be 14 or over to drive a class 3.
Class 3 mobility scooters need to be registered with the DVLA. To register a class 3 mobility scooter, complete form V55/4 for new vehicles, or V55/5 for used vehicles.
You risk a fine if your class 3 mobility scooter exceeds 150 kg (without you on it) or is wider than 85 cm. It also needs a speed setting for 4 mph (for pavements and other off-road areas) and a top speed limited to 8 mph. Furthermore, it needs working brakes, lights front and rear, indicators, hazard lights, a horn and a rear view mirror.
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What happens if I have a breakdown?
Our breakdown team will come to your aid, should your mobility scooter/powered chair become immobilised. With our Mobility Scooter rescue/insurance service, you no longer need to worry about being stranded due to faulty or flat batteries. You are even covered if breakdown assistance is required at your registered home address, please note however, claims for flat batteries at the home address are not included.
Road tax for mobility scooters (vehicle excise duty)
You don’t have to pay road tax for any mobility scooter or powered wheelchair, but remember that you still have to register class 3 mobility scooters with the DVLA.
Am I covered for theft, damage and vandalism?
Yes, our insurance covers your mobility scooter or powered chair for theft and accidental damage occurring within Britain, and for up to 90 days worldwide.
Who is covered for personal liability and personal accident?
You are covered for liability or accident if you are aged 18 years or over. Liability cover applies only in the UK, Personal Accident covers you for the whole of Europe.
Who can use a mobility scooter?
If you are not disabled, you can only drive a mobility scooter if you are demonstrating the vehicle before it’s sold, training a disabled user or taking the vehicle to or from maintenance or repair.
Breakdown cover for mobility scooters
ETA mobility scooter insurance comes with free breakdown recovery, but you can buy it separately if you wish. If you break down, or your battery runs flat while you are out and about, the ETA will send a suitable vehicle to arrange recovery of you and your scooter. Our rescue teams are available 24/7, 365 days a year, so you can rest assured that help is at hand. We’ll arrange to get you and your mobility scooter home, or to a specialist repair shop the same day. Call our friendly team now for more information or buy now.
Do you need to know the details of my mobility scooter?
We do not need any details about your mobility scooter upon purchasing our insurance. However, when making a claim, you do need to prove ownership.