| Current legislations state that there is no requirement | | | | Insuring the Scooter |
| for a user of a mobility scooter to hold adequate | | | | The cover for the scooter usually protects you against |
| insurance, unlike car users who are legally required to | | | | the cost of repairs to, or replacement of the mobility |
| hold adequate insurance. However, users should give | | | | product in the event of an accident. Some policies also |
| careful consideration to taking out at least third party | | | | cover or will pay towards the recovery costs of |
| insurance to cover any potential claims that could be | | | | getting you and your mobility product home following |
| made should the user cause injury of damage to | | | | an accident or breakdown. Users should check to see |
| persons or property. As these claims can often run to | | | | the level of cover being offered on the policy. |
| ten of thousands of pounds if not more, plus any legal | | | | Third Party Insurance |
| costs which are incurred. Consideration should also be | | | | If you accidentally hit anyone or anyone's property and |
| given to taking our adequate insurance to cover the | | | | you are sued for negligence the insurance should pay |
| scooter itself. A new scooter can cost hundreds of | | | | for your defence and the resultant damages if you are |
| pounds and insuring it against damage, theft etc could | | | | found to be negligent. Such claims can be very |
| be a financial sound decision. | | | | expensive and insurance to cover legal costs and law |
| The DVLA make the following comments with | | | | suites would be very worth while. Such situation could |
| reference to the insurance: | | | | include hitting a pedestrian, crashing onto a car, or |
| "Although it is not a legal requirement, it is strongly | | | | causing an accident through negligent driving. |
| advised to have insurance. Suitable schemes are not | | | | Conclusion |
| too expensive and are available to cover your | | | | It is worth while holding adequate insurance to cover |
| personal safety, other people's safety and the value of | | | | your scooter and any potential third party claims |
| the vehicle." | | | | against you should any accidents occur. Shop around |
| As discussed previously the insurance can be divided | | | | to ensure you receive a good quote which offers |
| into two areas; The Scooter itself and Third parties | | | | adequate cover. |
| (people and property). | | | | |