What type of Mobility Scooter Insurance is needed?
Many people regard insurance as just a huge profit making scheme by corporate companies that don't care a dime about the people who make them rich and will find every loophole conceivable to either avoid paying out or reduce the claim amount. I too was guilty of being one of those in my younger healthily active days. That "oh it wont happen to me" and "im too careful" persuasions contorted our thoughts to give valid reasons for not being able.
These days there are mountains of regulations in how an insurance company can operate. With a great deal of protection to the consumer.
However there are 'horses for courses', many insurance companies either specialise or excel in particular insurance cover areas. So its vitally important that you choose the right company for the right insurance cover. Especially where disability or mobility is involved.
Until a few years ago it was difficult to find companies or brokers that offered this type of cover, or had very high premiums for it. However, the mobility and disability market is now worth billions each year, so many companies have embraced it and some actively promote the fact.
The type of insurance you will require depends upon your mobility or disability needs.
Third party insurance is obviously included in your scooter cover, but there are other areas you will need to adequately cover and protect yourself. If you are one of the many who have home care or take trips out with your care, then Employer’s Liability Insurance and / or Public Liability Insurance is required by law. If your using an agency for home care, then you need to make sure they have their own liability insurance that not only covers the carer but anything that transpires while they are with you.
Which Insurance Company?
|NOTE: Having suitable mobility insurance is mandatory if you intend to travel outside on pavements and roads|
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