Frequently Asked Questions

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)

No — but without public liability cover you could be liable for injury or damage costs.

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.A: 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.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.

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.