Premiercares long experience in mobility scooter insurance means they fully appreciate the importance of helping you quickly and efficiently if you have a problem with your vehicle. So if your mobility scooter is stolen, damaged or breaks down and you need recovery, they are here to help with no cost for you. Premier Care’s mobility scooter insurance also protects you from compensation claims if you have an accident causing injuries to other people or property – in today’s “compensation culture” it’s essential to protect yourself.
Premier Care’s experienced team of advisors are available to talk to you about your mobility scooter insurance six days a week to help with any queries you may have. You can rest assured that all claims are dealt with personally by them at there head office in Lincolnshire. They will manage every step of the claim for you from filling in the forms over the phone, to arranging and paying for any repairs.
When we supply a mobility scooter to you , a 3 Months Free insurace policy is also included If you wish to purchase insurance and already have a mobility scooter the link above will take you direct to the MBL Direct web site where you can purchase insurance and warranty products . The above Policy Wording Documents and key facts Statements can also be downloaded above.
Do I really need it?
Yes you do because as the driver of a mobility vehicle you are personally liable for any injury you may accidentally cause to other people or property. You also need to consider to the cost to you of replacing or repairing your vehicle if it is damaged or stolen.
Under current legislation there is no requirement for mobility scooter drivers to hold mobility scooter insurance in the same way that car drivers are legally required to hold adequate insurance. However, as with any insurance policy you need to weigh up whether you can afford to take the risk against the relatively small cost of insurance. There is no legal requirement to take out home insurance and other types of cover, but most of us do because it’s sensible to protect ourselves, our loved ones and our property.
Scooters can be expensive to purchase, could you afford to replace it if it was stolen? If you accidentally scraped a parked car, or had a collision that broke someone’s leg could you afford the legal and compensation costs? If you broke down how would you get home? The peace of mind and financial benefits of being insured are clear – especially when you consider Premier Care’s insurance starts at just £79.80 for a year.
The Department for Transport makes the following comments with reference to mobility scooter insurance: “it is strongly advised that people take out insurance to cover personal safety, other people’s safety and the value of the vehicle.”
What to look for in a policy
Personal liability cover to protect you from compensation claims if you have an accident causing injuries to other people or property – up to £2m is a good level of cover.
1.Accidental Damage cover; including fire, storm or flood.
2. Theft and vandalism cover.
3. 24/7 breakdown recovery to get both you and your vehicle home safely – Premier Care are the only insurance provider to include this as standard.
4. No excess charges.
It’s also a good idea to take out warranty which, unlike insurance, covers you for repairs to your vehicle due to mechanical and electrical breakdown.
What information do I need for scooter insurance?
To take out insurance you will need to provide the following information:
- Scooter make and model
- Age of vehicle
- Classification (i.e. 4mph, 6mph or 8mph)
- Price you paid for the scooter
- Serial/frame number (finding the serial number may be difficult if the scooter was bought second hand, but can be located on the scooter itself and consists of a long string of number/letters often by the battery. New scooters should have the serial number within the documentation).