Mobility Scooter Insurance

Types of Mobility Scooter Insurance

There are two types of scooter insurance:

1. Policies that cover the repair and replacement of your scooter in case of damage or theft, and
2. Policies that cover claims made against you if you cause someone injury or damage property.

It is important to determine exactly what a given scooter insurance policy covers, in writing, to avoid misunderstandings and claims issues. Therefore, prior to shopping for mobility scooter insurance, find out if you are already covered by your homeowners policy.

Some homeowners policies include mobility scooter protection at no additional cost. Those that do typically cover theft and accidental damage, as well as personal liability up to a given limit.

Note: As you review your homeowners insurance, it may be beneficial to take the opportunity to review all of the insurance policies you own to ensure you have the protection you need and want. This includes taking the time to review your life, auto, and medical policies, as well as any health insurance leads you receive.

Tips for Selecting a Policy for Your Mobility Scooter

Typically you can choose to take out annual scooter insurance, or save on your total premium by taking out a a two- to three-year policy at once. Shop around to find a competitively priced policy that provides sufficient coverage for your needs. If you think you’ll have trouble paying a particular policy's premium, select a policy that has a higher deductible.

What Are the Limitations of Scooter Insurance?

Some insurance providers may put a cap on the number of times you can file a claim. Also, keep in mind that some policies will only cover the scooter you had when the policy commenced. Therefore, make sure to notify your insurance company if you decide to buy a new scooter mid-way through your policy.

This article is designed to serve as an information resource as you consider insurance coverage for your mobility scooter. The information here is summary in nature and not inclusive to specific policies and coverages. Policy terms and conditions differ and you must thoroughly familiarize yourself with the details of your coverage. Seek the counsel of a reputable insurance agent who has experience with mobility insurance to ensure you are signing up for the coverage that you need.

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