Mobility Scooter Insurance - The Benefits

Do you need a scooter insurance?

Imagine that you're newly bought scooter is stolen or vandalized but you don't have an insurance yet. Imagine you got hit by a car when riding on your scooter but no insurance to cover the medical bills. Do you know how much money you will need to dig out of your own pocket to cover for all that?

What types of insurance are available?
A good insurance should cover for your scooter and also third party. Typically the cover for your scooter includes accidental damages and damages caused by fire/flood/vandalism. It will also offer temporary lending of scooter while you're scooter is being repaired, replacement for loss or when the damage exceed some threshold (like 60% of replacement value). A third party insurance can cover you when you inflict damage to someone. Even when you're trying to be careful there is always a chance that you run into someone on the street or damaging someone else's property. If such thing happen a third party insurance will pay for any damages you caused.

What are the limitations of handicap scooter insurance
Commonly no insurance will cover for the following :
A. Faulty design, plan specification or materials
B. Damage to tyres by application of brakes or by road punctures, cuts or bursts
C. The cost of the routine maintenance, overhaul or modifications or loss, damage or breakdown arising there from
D. Loss or damage following modifications or servicing not in accordance with the manufacturers instructions
E. Any loss or damage caused by corrosion
F. Repairs to or replacement of tyres, batteries, fuses, bulbs and any consumable items

How much does it cost?
Depends on the price of the scooter the premium will vary but starts frome about $69/year for a scooter cost less than $1000.