*Cover available for powerchairs up to £40,000 when purchasing over the phone and £30,000 when purchasing online.
Powered Wheelchair Insurance from Fish Insurance
Our Powered Wheelchair cover is designed to meet the needs of those looking to insure their scooter against loss or damage and protect themselves against third-party liability claims.
With no age limit, our policies are designed to protect powered wheelchair users. Covering the basics such as accidental damage, third-party liability, and theft, as well as benefits you might not expect, like personal accident cover.
There’s even 24/7 breakdown recovery included on our Extra level policies, and the option to add puncture care for an additional cost to help you feel confident getting out and about.
Key benefits at a glance
We offer 3 levels of cover so you can choose the policy that meets your needs. The cover levels vary depending on the policy you choose. Our policies include:
- Cover for powerchairs worth up to £40,000* including brands such as Permobil and Magic Mobility
- No age limit
- Any user cover
- Liability cover, to protect you if you cause an accident or damage while using your powered wheelchair
- Accidental damage, theft, and vandalism cover
- Cost of hiring new equipment, should your powered wheelchair need to be repaired or replaced
- New-for-old replacement for powered wheelchairs less than two years old for theft, and up to 3 years old for accidental damage. If you’re not the first owner of the wheelchair, claims will be settled on a market value basis instead.
- Worldwide cover, including baggage handler cover
- 24/7 breakdown recovery included with Extra level policy
*Cover available for powerchairs up to £40,000 when purchasing over the phone and £30,000 when purchasing online.
For limitations and exclusions, please refer to the Insurance Product Information Documents (IPIDs)
Why choose this cover
Puncture care†
Covers the cost, including callout, of repairing a tyre puncture. No cover for damage to tyres used while punctured. Limit of £100 per callout and £200 per year applies.
Breakdown cover††
UK breakdown and accident assistance cover. This includes either recovery to your home, UK holiday accommodation or local repairer as long as the destination is under 10 miles away.
Third party liability
Covers you in the event that you cause an accident or damage to someone else or their property while using your powered wheelchair.
†Product available as optional add-on to a Powered Wheelchair Insurance policy, available at an additional cost.
††Breakdown Cover only available when purchasing Powered Wheelchair Extra policy.
See what our customers are saying about Fish’s service
Still got questions?
We’ve answered some of the queries you might have about our Powered Wheelchair Insurance
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QDo you provide me with a temporary wheelchair whilst mine is being repaired?
AIf your wheelchair is out of use for more than 7 days, we will cover the cost of hiring a replacement while it is being repaired.
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QIf someone else uses my wheelchair are they covered?
AYes. The insurance policy covers the wheelchair and anyone who uses it with your permission.
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QWho do I call if I need to make a claim?
AIf you need to make a claim on your powered wheelchair insurance, please call 0800 012 6327 as soon as possible.
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QWhat happens if I break down? How will I get home?
AOur powered wheelchair policy will pay towards the cost of you and your wheelchair getting home following an accident or breakdown. Our Extra policy includes Fish Mobility Rescue, providing recovery to your home, holiday home, or a local repairer.
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QDo I have to insure my powered wheelchair?
AIt’s not a legal requirement to insure your wheelchair, but as they are expensive and often essential in helping you to stay independent, it’s a wise choice to make sure it is protected.
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QDo you give me the money to replace my wheelchair if it is stolen or cannot be repaired?
AYes, you are covered for up to £1,500 on our Lite policy, £7,000 on our Standard policy and up to £10,000 on our Extra policy.
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QAm I covered for third party liability?
AYes, our electric wheelchair insurance includes up to £2million Third Party Liability.
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QIs my powered wheelchair covered if I travel abroad?
AYes. Our Standard policy gives you 21 days of worldwide cover, while our Extra policy gives you 90 days. Both policies include Baggage Handler Cover.
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QDoes my power chair need to be stored at my address overnight?
AIn order to be covered by your insurance, you must not leave your powered wheelchair out in the open overnight. It is sensible to keep your powered wheelchair in a locked and secured building at night to reduce the risk of any damage or theft occurring.
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QDoes this policy cover accidental damage to my wheelchair?
AYes. Fish’s electric wheelchair insurance covers accidental damage (including fire and flood), theft, and vandalism.
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