David Joyson

Written by

David Joyson

Home Insurance Expert & Customer Champion

Sophie Kamkar

Reviewed by

Sophie Kamkar

Content Marketing Manager

Less than 1 minute

Updated: 11 Mar 2024

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?

Having contents insurance means you won’t be out of pocket if you need to repair or replace your belongings after they’ve been stolen, damaged or destroyed.

What we offer

Quick fix for uncontrollable leaks

Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.

Extreme weather conditions may extend response time. Policy terms and claim limits apply.

New for old

Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.

Legal advice

We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.

What isn’t included?

Lost items.

Items stolen from unoccupied vehicles.

Damage caused by pets.

The cost of repairing or replacing items following a mechanical or electrical fault.

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

Covering the value of the possessions you could take with you when moving home, such as furniture, clothing, valuables, appliances, fittings, entertainment equipment, gadgets and bikes, following an insured loss. Cover provided on a new for old basis. 

from £25,000

Alternative accommodation

Covers the cost of alternative accommodation for you and your pets, together with reasonable expenses (e.g. travel, food, laundry) if you can’t live in your home (or where you’ve been advised to evacuate) due to an insured loss. 

up to £10,000

Home emergency

Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, or make your home secure. Two levels of cover are available, for different types of insured loss. 

up to £500

Family legal protection

Covers legal costs following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss. 

up to £25,000

Liability cover

Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party. 

up to £5 million

Personal possessions

Covers items likely to be worn, carried or used by you away from your home (e.g. bags, clothes and sports equipment) in the event of physical damage or theft. Cover provided anywhere in the world. 


Gadgets, bikes and valuables away from the home

Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes), valuables (e.g. watches and jewellery), equipment (e.g. hearing aids) and other expensive or high risk items that you take out of your home. 


Accidental damage

Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party or wild animals. Two levels of cover are available


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.

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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