Having a mobility scooter is a necessity for a lot of people, particularly those who are sick or disabled. If you own a mobility scooter or are considering buying one, then you know how they can improve someone’s quality of life, making life easier and providing the freedom to go out and about.
Now, if you are one of these people, you may be wondering how to protect your mobility scooter in the case that it is damaged or stolen.
Users of mobility scooters are not usually required to have insurance, but many do voluntarily have insurance to protect themselves and their scooter against damage or theft. Having mobility scooter insurance will give you monetary protection and less stress about what will happen if something bad occurs.
This makes all the sense in the world as a mobility scooter is a valuable asset. It’s more than that, actually. It is your transportation, an integral part of your daily life, like a car or bike.
For this reason, you may also be wondering if you need to have Scooter insurance to protect it. And if so, what should the Insurance cover? How much does it cost?
Insuring your scooter can be a long process, taking several months. But in the end, it is worth the time and effort. Here is what you need to know about the process.
Types of Mobility Scooter Insurance
There are many questions when it comes to mobility scooter insurance, but the foremost one is: What type of coverage do you need? Believe it or not, mobility scooter insurance coverage can be just as complex as any other type of insurance, including home and automobile. The complexity of your coverage depends on aspects like where you use your scooter, how much it is worth, and if you want liability coverage.
Liability coverage for your mobility scooter covers accidents relating to your mobility scooter for which you could be deemed at fault. Although these accidents can be rare, it may be a good idea for you to get this kind of coverage if you use your mobility scooter on busy streets or out in public a lot.
If you use you mobility scooter outside most often, liability insurance is probably a good idea and may be your best option. Then you will be covered if you get in a collision with someone or their vehicle in a parking lot or on a public walkway.
On the other hand, if you mostly use your mobility scooter at home, you may not need liability insurance. And in fact, your scooter may be covered by your homeowner's insurance or renters insurance, if you have them.
Property Damage and Theft Coverage
Besides liability coverage, it is important to protect the money you spent to buy your mobility scooter. With property damage and theft protection coverage, your mobility scooter will be covered for a bevy of things that could occur, ranging from dents and other damage to the scooter to mechanical repairs that are needed throughout its lifetime. If your mobility scooter stops working and needs new parts — like the battery, which can be quite expensive — then it will all be covered under your mobility scooter insurance plan.
And then there is theft. In the instance that your mobility scooter is stolen, it will also be covered under your policy, ensuring that you get a replacement scooter without having to pay for it.
How Much is Mobility Scooter Insurance?
The average cost of mobility scooter insurance coverage is about $50 per month. But the amount of money that your mobility scooter insurance costs depends on the amount and type of your usage. If you use it in your home primarily, then it may be included in your renters or homeowner's insurance, making the cost of your policy significantly less than if you use your scooter on busy roads and at public places.
However, if your scooter is used outside on roads a lot, then you may want liability insurance, which is significantly more.
One mobility scooter insurance company, Scooters N' Chairs, gives quotes for such coverage in the $50 a month range. They provide all the information you need to decide which policy and plan is best for you and your circumstances. But regardless of which insurance company you pick, it is a good practice to get multiple quotes and compare them before you make your decision.
There are some things you want to familiarize yourself with as you start the process of looking for mobility scooter insurance, like the make and the model, and the date you bought it or how old it is.
How to Save Money on your Mobility Scooter
Online retailers and marketplaces are likely the best places to shop for competitive prices on your mobility scooter. These sellers usually have good selections and fair prices. But be sure to do your research. Don’t make any hasty purchases.
And keep in mind that the prices you see when shopping for a mobility scooter do not include insurance. So that will be an extra expense, if it is something you want to add.
While mobility scooter insurance is not typically required by law, it is still a good idea. Many scooter users have insurance to protect themselves against damage and theft of their scooters.
If you decide that you too would like mobility scooter insurance, you must also decide whether you want liability coverage or just coverage against damage and theft. And while there is a general idea that basic mobility scooter insurance will cost you around $50 a month, you should shop around for more than one quote, so you can compare and get the best price for the coverage you need.