MOBILITY SCOOTER INSURANCE
Homeprotect does not provide standalone mobility scooter insurance. Rather mobility scooters can typically be covered under home contents insurance – both inside and away from the home. Read more about our contents insurance.
You don’t need vehicle insurance for a mobility scooter or powered wheelchair, but such a valuable aspect of your day-to-day activities should be covered against theft and damage.
Mobility scooter and powered wheelchairs come in two categories:
- Class 2 invalid carriages which are pavement only and have a max speed of 4mph.
- Class 3 invalid carriages which can be used on the roads and have a max speed of 8mph.
Homeprotect insurance for Class 2 scooters
With a home insurance policy from Homeprotect you can insure your Class 2 mobility scooter or wheelchair as part of your home contents cover. We do not offer cover for Class 3 mobility scooters.
Mobility scooters and wheelchairs are considered High Risk Items, a broad category covering other items of contents such as jewellery, watches, medical equipment and works of art. As standard, your Homeprotect contents insurance will provide upto £5,000 (or 20% of the contents sum insured, whichever is lower) for High Risk Items worth less than £1,500 (either on a per item basis or as part of a collection) inside the home. If this limit is not enough, or if your scooter or wheelchair is worth £1,500 or more, or if you require cover against physical damage and theft away from the home then you should specify the item on your policy.
Should you lose or damage your keys then we will cover the cost of replacing them, or will make good on any locksmith charges, so long as you have the optional Lost Key Cover included in your policy.
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What’s covered by contents insurance?
Your belongings make your house feel like home. If they’re stolen, damaged or destroyed, our contents insurance helps cover the cost of replacing them — so you’re not left out of pocket.
- Fire and smoke
- Flood and storm
- Theft and attempted theft
- Escape of water or oil
- Malicious damage
This includes items like furniture, electronics, clothing and kitchenware — plus a limited amount for contents stored in garages, sheds and outbuildings within your boundary.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
12-month repair guarantee
Any repair work we arrange after a claim is guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Items you don’t own or aren’t legally responsible for
Items stolen from unoccupied vehicles
Gradual wear and tear, or damage caused by pets
Faulty design, construction, or workmanship or failure to fix a known issue
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
Contents Insurance Cover Levels
Our contents insurance is designed to protect your belongings against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Contents cover
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £10,000
Home emergency
Covers sudden, unexpected emergencies — such as an uncontrollable leak — that require immediate action to prevent damage or secure your home. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals Two levels of cover are available.
Optional
Your Questions Answered
In most cases, they are covered up to a certain maximum per claim if you make sure the value of these items are included in the value of contents to be insured. You can find out more about our garage insurance here, and our shed insurance. Please note that there are some items that we can’t insure such as boats and water skis, please refer to the policy booklets for full details. Some business equipment stored in outbuildings is covered, but not high-risk items or stock without underwriter approval.
Yes, all Homeprotect policies provide liability to the public cover as standard.
Yes. Homeprotect contents insurance covers your mobility scooter against theft outside the home, provided you’ve specified it on your policy and requested cover away from home, but only where the thief causes damage while trying to access the scooter, or they used violence or deception to steal your scooter, or the scooter was under your personal supervision at the time of the theft.
There is a maximum claim limit unless you have specifically asked to increase this. Check the current level in our policy booklet.
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