Frequently Asked Questions

Cover outside the UK varies depending on the policy. Before travelling, check your policy documentation or contact First Senior on 01582 840067 to confirm whether your scooter will be covered and if so, how long for.

In most cases, your First Senior policy can be transferred when you change your mobility scooter. Contact us as soon as you know you are getting a new scooter and our team will explain what information is required.

Contact First Senior with the details of each scooter you wish to protect and our team will explain the available options. You can insure one product per policy.

The cost depends on factors including the value of your scooter and the period of cover selected. Contact First Senior or request a personalised quotation to find out how much it would cost to insure your scooter.

Your wheelchair or power-assist device can be an essential part of everyday life.
Taking a few minutes to understand how your equipment is insured – and what support you would receive if something went wrong – could make a significant difference when you need your cover most.

Look beyond price alone. Consider the value of your equipment, accidental damage and theft protection, liability cover, whether an excess applies and what practical assistance is available if something goes wrong.

Yes. First Senior offers specialist Power Add-On Insurance for eligible equipment, with protection against risks including accidental damage, theft and attempted theft, fire and flood damage and personal legal liability.

First Senior’s manual wheelchair insurance can cover eligible equipment up to the maximum value of £12,000, making it important to insure your wheelchair for an appropriate value.

Some home insurance policies may provide cover, but this varies. Check the insured value, whether cover applies away from home, whether accidental damage is included and what excess you would need to pay if you claimed.

Yes. Many pre-existing medical conditions can be considered through medical screening.

At First Senior, we work with specialist insurers who understand the needs of older travellers. Our team can guide you through the screening process and help you explore suitable cover for your circumstances.

There is no upper age limit on First Senior single-trip travel insurance policies.

Whether you’re in your 60s, 70s, 80s, 90s or beyond, it’s worth speaking to us about your travel plans rather than assuming your age will prevent you from obtaining cover.

Whether you’d describe it as senior travel insurance or elderly travel insurance, the cover works the same way and there’s no upper age limit on our single-trip policies.

Cruise travel insurance is a type of holiday insurance for seniors, designed specifically for the demands of a cruise.

Standard holiday insurance doesn’t always account for situations unique to cruising, such as missed ship departures, cabin confinement due to illness or changes to your itinerary while at sea. Cruise-specific cover is built to address these situations directly.

If you’re booking a cruise, it’s worth checking that your holiday insurance includes cruise cover rather than assuming a standard policy will be suitable. At First Senior, our team can help you find holiday insurance for seniors that’s suited to cruise travel, whatever your age or medical history.

To make a claim, you can request a claims form online at firstsenior.com/claims/ or call the claims line on 01592 204030. The claims office is open Monday to Friday 9am–5pm and Saturday 10am–12pm. First Senior’s UK-based claims team will guide you through the process and keep you updated. First Senior pays your authorised repairer directly — you do not need to pay upfront and claim back. If you receive any correspondence from a third party relating to an incident, send it unanswered to the claims office at 53 High Street, Kirkcaldy KY1 1LL or email claims@firstsenior.com.

Cover for use abroad varies by policy. The standard roadside recovery service covers the UK only. If you plan to take your scooter abroad, you should contact First Senior on 01582 840067 before you travel to discuss your options and confirm exactly what your policy covers when travelling outside the UK.

In most cases, yes. Your policy can be transferred when you change your mobility scooter. You should contact First Senior as soon as you know you are getting a new scooter by calling 01582 840067, and the team will talk you through the options and arrange the transfer.

Yes. First Senior’s mobility insurance and extended warranty are available for both new and used mobility vehicles and disability equipment. Cover is not limited to brand-new purchases. If you have recently bought a second-hand mobility scooter, powerchair or wheelchair, you can still arrange suitable insurance and protection through First Senior.

First Senior powerchair insurance covers accidental damage, fire, flood, storm damage and theft up to your policy limit. Public liability cover of up to £3 million is included, protecting you if you accidentally injure someone or cause damage to property. If your powerchair is under three years old and cannot be repaired, it will be replaced on a new-for-old basis. Optional roadside recovery and extended warranty can also be added to a powerchair insurance policy.

Mobility scooter insurance is not a legal requirement in the UK. However, it is strongly advisable and recommended by the Department for Transport, given the value of most scooters and the risk of accidents in public places. Public liability cover, in particular, can protect you financially if you accidentally injure someone or cause damage to property while using your scooter. Without insurance, any repair or replacement costs following an accident, theft or other incident would need to be met personally.

First Senior mobility insurance can cover mobility scooters, powerchairs, manual wheelchairs and other disability equipment against accidental damage, theft, fire, flood, storm damage, and public liability claims. Public liability cover of up to £3 million is included, protecting you if you accidentally injure someone or damage property while using your equipment. Optional add-ons include roadside recovery and extended warranty. Cover is available for Class 2 and Class 3 mobility scooters, powered wheelchairs and a range of manual wheelchairs, subject to policy terms and conditions.

First Senior Finance specialises in the mobility sector and takes the time to understand the needs of mobility customers. Many customers are pleasantly surprised by the options available to them, even when they have previously experienced difficulties obtaining finance elsewhere. All applications are subject to status, affordability assessments and lender approval.

No medical certificate is required. When First Senior calls to confirm your application, they will ask you to provide an accurate outline of your health so they can ensure the finance is suitable for your circumstances.

First Senior aims to give a decision within four hours of receiving a completed application. If you have questions while waiting, the UK team is available on 01582 842224 during business hours, Monday to Friday 9am–5pm.

Yes. Your monthly repayments are fixed for the entire duration of your finance agreement. They will never increase, allowing you to budget with confidence throughout the term of the agreement.

No. First Senior Finance has no upper age limit. The company believes everyone should be able to access the equipment they need, regardless of age. This makes First Senior Finance particularly well suited to older customers and those with disabilities who may find it difficult to access mainstream lending.

First Senior Finance is available for a wide range of mobility and homecare equipment, including mobility scooters, powerchairs, manual wheelchairs, stairlifts, bathlifts, adjustable beds, rise and recline chairs, and other disability equipment and daily living aids. Finance is arranged through authorised First Senior dealers rather than directly. Contact First Senior on 01582 842224 or visit firstsenior.com/finance/ to find out more and locate a dealer near you.

First Senior Finance allows customers to spread the cost of mobility and disability equipment through fixed monthly repayments. The process works through an authorised First Senior dealer: you visit the dealer, choose the equipment that is right for you, and ask them to submit a finance application. A member of First Senior’s UK underwriting team will then call you to confirm the details and check you are comfortable with the repayments. Once approved, you pay the agreed deposit to the dealer and First Senior pays the balance directly to the dealer. You then repay First Senior by monthly direct debit until the balance is cleared — and the equipment is yours.

Yes. First Senior works with mobility and homecare retailers across the UK, providing access to finance, insurance, roadside recovery and extended warranty products for their customers. Dealers benefit from specialist training and dedicated support from First Senior’s UK team. Finance applications are submitted by the dealer on behalf of the customer, and the process is designed to be straightforward for both parties. Retailers interested in partnering with First Senior can find out more at firstsenior.com/become-a-dealer/.

First Senior is a specialist in the mobility sector — it does not operate as a general insurer or general finance provider. Every member of the team understands mobility products, the people who rely on them and the specific challenges that mobility customers face. First Senior is family-owned and operates with a strong customer-first ethos. When customers call, they speak to a real person — not a computer or automated service — and First Senior actively encourages customers to phone. The business has a Trustpilot score of 4.8 out of 5 from over 347 reviews, reflecting consistently high customer satisfaction.

First Senior has a UK-based team available to answer the phone in under three seconds — no automated menus. For insurance sales and general enquiries, call 01582 840067, Monday to Friday 9am–5pm. For finance enquiries, call 01582 842224. For claims, call 01592 204030, Monday to Friday 9am–5pm and Saturday 10am–12pm. The sales and finance office is at Unit 2, Cotswold Business Park, Millfield Lane, Caddington, Bedfordshire LU1 4AR. The claims office is at 53 High Street, Kirkcaldy KY1 1LL. You can also contact First Senior via the website at firstsenior.com/contact-us/.

Yes. First Senior Group operates through two FCA-regulated entities. First Senior Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 308478), registered in England and Wales (Company No. 3504591). First Senior Finance Ltd is also authorised and regulated by the Financial Conduct Authority (FRN: 726510), registered in England and Wales (Company No. 3120962). Both entities are registered at Unit 2, Cotswold Business Park, Millfield Lane, Caddington, Bedfordshire LU1 4AR. First Senior is also a member of the British Insurance Brokers Association (BIBA), the British Healthcare Trade Association (BHTA) and the Consumer Credit Trade Association (CCTA), and holds an ICO Data Protection Registration Certificate.

First Senior Group is a UK specialist in finance, insurance, roadside recovery and extended warranties exclusively for the mobility and disability equipment sector. Founded in 1995 and headquartered in Caddington, Bedfordshire, it is family-owned, FCA-regulated and works with a nationwide network of authorised mobility retailers. First Senior is the only company in the UK that solely offers finance in the mobility and disability market, and has been supporting customers for over 30 years.

Multiple durations are available. Call First Senior on 01582 840067 and the team will explain the options available and help you choose the right length of cover for your equipment.

No. There is no excess on First Senior’s Extended Warranty. If your equipment fails and a repair is needed, you will not be required to pay anything towards the cost of the repair, subject to the policy terms and limits.

Yes. First Senior’s Extended Warranty is available for both new and used mobility vehicles and disability equipment. On new machines, the cover starts once the manufacturer’s warranty expires. On non-new or second-hand machines, cover becomes effective 45 days after the inception date of the policy.

First Senior’s Extended Warranty covers unforeseen mechanical and electrical failure of your mobility scooter, powerchair, wheelchair, stairlift, bathlift or hoist once the manufacturer’s warranty has expired. All relevant parts, labour and call-out charges are covered within your policy limits. There is no excess on the Extended Warranty — if your equipment fails and a repair is needed, you will not need to pay anything towards the cost. First Senior pays your authorised repairer directly.

Yes. First Senior’s mobility scooter and powerchair breakdown recovery service operates 24 hours a day, 7 days a week, 365 days a year, including bank holidays and weekends. Help is always available whenever you need it.

Yes. First Senior’s roadside recovery is designed for both mobility scooters and powerchairs. The service is specifically tailored to mobility vehicles and the people who depend on them, rather than being a general breakdown service adapted for mobility equipment.

First Senior’s roadside recovery service is designed specifically for mobility scooters and powerchairs. It covers mechanical and electrical breakdown, flat battery, flat tyre, and immobilisation caused by an accident, vandalism or a theft attempt. The service operates 24 hours a day, 7 days a week, 365 days a year — including bank holidays and weekends. If your breakdown occurs within 20 miles of your home or holiday address, the recovery service will take both you and your scooter or powerchair back. The standard service covers the UK. For use abroad, call 01582 840067 to discuss options.

You can get an instant quote online via the First Senior website at firstsenior.com/cruise-insurance-for-seniors/, or call the team on 01582 840067. The UK team will answer in under three seconds and can help you find the right policy for your trip, destination and any pre-existing medical conditions you need to declare.

In addition to standard travel insurance benefits such as cancellation cover and lost baggage, First Senior’s cruise policies provide cover for missed port departures, itinerary disruptions due to weather or mechanical issues, and cabin confinement if illness prevents you from leaving your cabin. Emergency medical treatment on board and repatriation are also included. 24/7 assistance is available worldwide for the duration of the cruise.

Yes. Policies are available for extended voyages including world cruises, multi-continent itineraries and long-haul routes with multiple stopovers and countries. This makes First Senior one of the few providers offering cruise travel insurance for extended voyages with no upper age limit.

Yes. Most pre-existing medical conditions are accepted following a straightforward screening process completed when you request a quote. It is important to declare all conditions accurately when taking out the policy to ensure your cover is valid. First Senior’s cruise insurance is designed with senior travellers in mind, so the screening process is designed to be straightforward rather than exclusionary.

No. First Senior cruise travel insurance has no upper age limit for single trips of up to 93 days. The policies are designed specifically for senior and over-65 travellers, meaning there are no age restrictions that prevent older customers from obtaining cover.

First Senior cruise travel insurance is a specialist policy designed for senior and over-65 travellers going on cruise holidays, world cruises and extended voyages. It provides cover for medical emergencies on board, repatriation, missed port departures, itinerary disruptions caused by weather or mechanical issues, cabin confinement due to illness, trip cancellation, lost baggage and more. The policy is designed to cover risks specific to cruise travel that standard travel insurance often does not include.

Yes, but you should check airline requirements and understand what protection your policy provides for mobility equipment.

Cruise holidays often require specialist cover for missed ports, cabin confinement and onboard medical treatment.

Many specialist policies can provide cover for pre-existing medical conditions following medical screening.

If you travel multiple times per year, annual cover can often work out more cost-effective than buying separate policies.If you travel multiple times per year, annual cover can often work out more cost-effective than buying separate policies.

Yes, many specialist insurers provide cover for travellers over 70 and beyond, including customers with medical conditions.

Yes, but it is important to check airline requirements and understand what protection your policy provides for mobility equipment.

Cruise holidays often require specialist cover for missed departures, cabin confinement and medical treatment at sea.

Many policies can provide cover for pre-existing medical conditions, provided they are declared during the medical screening process.

Yes, specialist providers like First Senior can often offer cover for older travellers beyond the age limits found in many standard policies.

Some policies may, under the same limited conditions described above (cover at home only, subject to your insurer)

Mobility scooter insurance is not a legal requirement in the UK. However, it is strongly advisable and recommended by the Department for Transport, given the value of most scooters and the risk of accidents in public places. Public liability cover, in particular, can protect you financially if you accidentally injure someone or cause damage to property while using your scooter. Without insurance, any repair or replacement costs following an accident, theft or other incident would need to be met personally.

The standard service covers the UK. If you plan to take your scooter abroad, please contact us on 01582 840067 to discuss your options.

Yes. First Senior’s roadside recovery is designed for both mobility scooters and powerchairs. The service is specifically tailored to mobility vehicles and the people who depend on them.

Yes. If your breakdown occurs within 20 miles of your home or holiday address, the recovery service will take you and your scooter back. You won’t be left stranded far from home.A: Yes. If your breakdown occurs within 20 miles of your home or holiday address, the recovery service will take you and your scooter back. You won’t be left stranded far from home.

Cover includes mechanical and electrical breakdown, flat battery, flat tyre, and immobilisation caused by an accident, vandalism or a theft attempt. You and your scooter will not be left stranded.

Yes. First Senior’s mobility scooter breakdown recovery service operates 24 hours a day, 7 days a week, 365 days a year — including bank holidays and weekends. Help is always available whenever you need it.

Multiple durations are available. Call us on 01582 840067 and our team will explain the options and help you choose the right length of cover for your equipment.

First Senior pays your authorised repairer directly. You do not need to pay upfront and claim back — we deal with the repairer on your behalf.First Senior pays your authorised repairer directly. You do not need to pay upfront and claim back — we deal with the repairer on your behalf.

No. There is no excess on First Senior’s Extended Warranty. If your equipment fails and a repair is needed, you won’t need to pay anything towards the cost.

Yes. First Senior’s Extended Warranty is available for both new and used mobility vehicles and disability equipment, not just brand-new purchases.Yes. First Senior’s Extended Warranty is available for both new and used mobility vehicles and disability equipment, not just brand-new purchases.

The Extended Warranty covers unforeseen mechanical and electrical failure of your mobility scooter, powerchair, wheelchair, stairlift, bathlift or hoist once the manufacturer’s warranty has expired. All relevant parts, labour and call-out charges are covered within your policy limits.

First Senior Finance is available for mobility scooters, power chairs, manual wheelchairs, stairlifts, bathlifts and a wide range of other disability equipment. Ask your local authorised dealer for details.

No. Your repayments are fixed for the entire duration of your finance agreement. They will never go up, so you can budget with confidence.

We aim to give you a decision within 4 hours of receiving your completed application. Our UK team is on hand on 01582 842224 if you have any questions while you wait.

No medical certificate is required. When we call to confirm your application, we will simply ask you to give us an accurate outline of your health so we can ensure the finance is right for you.

Yes. First Senior only works with mobility retailers and dealerships throughout the UK.Yes. First Senior only works with mobility retailers and dealerships throughout the UK.

No. First Senior Finance has no upper age limit. We believe everyone should be able to access the equipment they need, regardless of their age.

Finance applications may involve credit searches and affordability assessments. Full details will be explained during the application process.

It’s straightforward. Visit a First Senior authorised dealer, choose the equipment that’s right for you, and ask the dealer to submit a First Senior Finance application. We’ll call you to confirm the details and check you’re comfortable with the repayments. Once approved, you pay the agreed deposit to the dealer and we pay the balance directly to them. You then repay First Senior by monthly direct debit until the balance is cleared — and the equipment is yours.

You can get an instant quote online via the First Senior website, or call our team on 01582 840067 and we’ll help you find the right policy for your trip.

Yes. First Senior provides 24/7 worldwide assistance throughout your cruise. Whether you’re in the Mediterranean, the Caribbean or the Pacific, our helpline is always available.

Yes. Policies are available for extended voyages including world cruises, multi-continent itineraries and long-haul routes. Cover applies across multiple stopovers and countries.

In addition to standard travel insurance benefits, First Senior’s cruise policies cover missed port departures, itinerary disruptions due to weather or mechanical issues, and cabin confinement if illness keeps you in your cabin. Emergency medical treatment on board and repatriation are also included.

Yes. Most pre-existing medical conditions are accepted following a straightforward screening process when you get your quote. It’s important to declare all conditions accurately to make sure your cover is valid.

No. First Senior’s cruise travel insurance has no upper age limit for single trips of up to 93 days. Our policies are designed specifically for senior and over-65 travellers.

First Senior Powerchair Insurance covers accidental damage, fire, flood, storm damage and theft up to your policy limit. Public liability cover is included up to £3 million, protecting you if you accidentally injure someone or cause damage to property. If your powerchair is under 3 years old and cannot be repaired, it will be replaced on a new-for-old basis.

Typically accidental damage, fire, flood, storm damage, theft and public liability — tailored to your powerchair’s value.

Yes. A manual wheelchair is an essential item and the cost of repair or replacement can be significant. First Senior’s Manual Wheelchair Insurance protects you against accidental damage, theft, fire and more — so an unexpected incident doesn’t leave you without your chair or facing a large bill.

You should make sure your travel insurance is suitable for the type of holiday you’re taking.

Cruise-specific cover can include benefits such as cabin confinement, missed cruise or port departures and certain itinerary changes. Check the cover provided by your chosen policy before travelling.

We would be delighted to help you renew your policy. Please call our expert renewals team at our UK head office and they will be able to help you make sure you’ve got the right policy for your needs.

Yes! Please click here to request one by email or call us on 01582 840067. We will answer the phone in under four seconds and you’ll be talking to one of our team ‐ a human not a machine ‐ immediately.

Your cover is explained on your policy documents. If you can’t find them, please call us on 01582 840067 and we’ll be happy to help.

In most cases, yes — your policy can be transferred when you change your mobility scooter. Please call our team on 01582 840067 as soon as you know you’re getting a new scooter and we’ll talk you through the options.

Just a quick call to 01592 204030

Where we have your email address, these would have been emailed to you in return. Please check your spam or junk mail. If you have not supplied an email, these will be posted out to you which you should receive within 10-14 days. If you have not received them after this time then please give us a call on 01582 840067.

You can request a claims form online or call our claims line on 01592 204030. Our UK-based team will guide you through the process and keep you updated on the progress of your claim.

Send this correspondence, unanswered, to our claims office: First Senior, 53 High Street, Kirkcaldy, KY1 1LL or email it to claims@firstsenior.com and we will deal with it on your behalf.

We will deal with all of this directly with your Dealer or if you wish to settle the bill direct, we will reimburse you, assuming your policy covers the repairs are within the policy limits.

Where you have a policy that covers loan vehicles and where the dealer has a machine available then yes. You have cover for £15 per day, excluding the first 5 days and for up to a maximum of 10 days.

Claims: Open Monday – Friday from 9am – 5pm & Sat:  10am -12pm
53 High Street, Kirkcaldy, KY1 1LL
Tel: 01592 204030

Sales: Open Monday – Friday from 9am to 5.00pm
Unit 2, Cotswold Business Park, Millfield Lane, Caddington, LU1 4AR
Tel: 01582 840067

Mobility scooter insurance is not a legal requirement in the UK. However, given the value of most scooters and the risk of accidents in public places, taking out insurance is strongly advisable and is highly recommended by the Department for Transport. Public liability cover, in particular, can protect you financially if you accidentally injure someone or damage property while using your scooter.

On new machines our Mechanical / Electrical breakdown cover starts once the manufacturer’s warranty expires.
On non-new or second-hand machines, the cover is effective 45 days after the inception date of the policy.

We would recommend this for your personal peace of mind. Otherwise – what will you do if your vehicle breaks down while you are out and about? Could you get yourself and your vehicle home?

Cover for use abroad varies by policy. Please check your policy documentation or call us on 01582 840067 and a member of our team will confirm exactly what your policy covers when travelling outside the UK.