Can I insure a used or second-hand mobility scooter?

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.

Can I transfer my mobility insurance to a new scooter?

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.

Am I covered if I take my mobility scooter abroad?

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.

How do I make a mobility insurance claim?

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.

Mobility Scooter, Powerchair & Wheelchair Insurance

Specialist Mobility Insurance from First Senior

Q: What does First Senior mobility insurance cover?

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.

Q: What does powerchair insurance from First Senior cover?

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.

Your mobility equipment is more than just a product. It is an important part of your independence, confidence and everyday life.

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Why Choose First Senior?

Choosing the right insurer is about more than simply comparing prices. It is about finding a company that understands your needs and provides support you can trust.

Specialist Mobility Expertise

As one of the UK’s specialist insurance and finance providers focused solely on the mobility industry, we understand the products our customers depend on every day.

We help provide insurance solutions for:

Mobility scooters
Powerchairs
Manual wheelchairs
Power assist devices
Homecare products (stairlifts/rise and recliners)

Friendly UK-Based Support

When you contact First Senior, you will speak to real people who understand mobility products and are committed to providing helpful, straightforward support.

Our experienced UK-based team is available to answer questions, explain cover options clearly and assist throughout the life of your policy.

Comprehensive Protection

Depending on the policy selected, cover may include:

Accidental damage
Theft protection
Public liability cover
Temporary worldwide cover
Personal belongings cover
Puncture cover
Optional roadside recovery assistance
Optional extended warranty protection

Mobility Scooter Insurance

Mobility scooters help thousands of people maintain their independence every day. Whether you use your scooter for local journeys, shopping trips or visiting family and friends, protecting it against unexpected events is important.

Our mobility scooter insurance can provide protection against accidental damage, theft and public liability claims, helping reduce the financial impact of unforeseen incidents.

Cover is available for many Class 2 and Class 3 mobility scooters, subject to policy terms and conditions.

Powerchair Insurance

Powerchairs are often highly specialised pieces of equipment and can represent a significant financial investment.

Our powerchair insurance is designed to help protect powered wheelchairs against a range of insured events, helping ensure you can continue to enjoy your independence with confidence.

Whether your powerchair is used primarily indoors, outdoors or both, our team can help you find suitable cover for your needs.

Whether you rely on a mobility scooter for shopping trips, a powerchair for day-to-day mobility, or a manual wheelchair to maintain your freedom and lifestyle, having the right insurance in place can provide valuable peace of mind.

For over 30 years, First Senior has worked exclusively within the mobility sector, helping customers protect the equipment they rely on every day. Unlike many general insurers, we understand the needs of mobility users and the importance of reliable, straightforward support when it matters most.

Our specialist mobility insurance policies are designed to help protect your equipment against accidental damage, theft, public liability claims and other unexpected situations, helping you stay mobile with confidence.

Manual Wheelchair Insurance

Manual wheelchairs are essential mobility aids for many individuals and can be equally important to protect.

Insurance is available for a wide range of self-propelled and attendant-propelled wheelchairs, including many lightweight and specialist models.

Having suitable insurance in place can provide reassurance should your wheelchair be damaged, stolen or involved in an insured incident.

What Does Mobility Insurance Cover?

Accidental Damage Cover

Accidents can happen unexpectedly, whether indoors, outdoors or whilst travelling.

Accidental damage cover may help protect your mobility equipment if it is damaged during normal everyday use.

This may include:

Collisions with obstacles
Accidental tipping or overturning
Damage during transportation
Unexpected impacts in public places
Damage whilst loading or unloading equipment

Repairing or replacing mobility equipment can often be expensive, making suitable insurance an important consideration for many mobility users.

Theft Protection

Mobility equipment can unfortunately become a target for theft due to its value and portability.

Depending on your chosen policy, theft protection may include:

Theft from your home
Theft whilst away from home
Damage resulting from attempted theft
Assistance towards repair or replacement following an approved claim

Customers should always follow any security requirements outlined within their policy documentation.

Public Liability Cover

Public liability insurance is one of the most valuable features of many mobility insurance policies.

This cover may help protect you financially if you accidentally:

Injure another person whilst using your mobility equipment
Damage someone else’s property
Become involved in an incident that results in legal action

Many policies include public liability cover of up to £3 million for additional peace of mind.

Temporary Worldwide Cover

Many customers enjoy travelling with their mobility equipment throughout the UK and overseas.

Depending on the policy selected, temporary worldwide cover may be available whilst travelling abroad.

Customers should always check policy limits, territorial restrictions and maximum travel durations before departure.

Additional Protection Available

Roadside Recovery Assistance

Optional roadside recovery assistance is available for many mobility scooters and powerchairs.

This may include:

24/7 roadside assistance
Recovery following breakdowns
Battery-related assistance
Help getting you safely home following an eligible incident

Extended Warranty Protection

Extended warranty protection is also available for selected mobility scooters and powerchairs.

This can help provide additional reassurance once the manufacturer’s warranty has expired, helping cover unexpected repair costs subject to policy terms and conditions.

Simple and Straightforward Claims Support

At First Senior, we understand that making a claim can sometimes feel stressful, particularly when your mobility equipment is essential to your daily independence.

That is why we aim to make the process as straightforward and supportive as possible.

Step 1 – Notify Us

Contact First Senior as soon as possible following an incident. We will provide a claims form for completion.

Step 2 – Submit Supporting Information

You may be asked to provide supporting documentation such as photographs, repair estimates or police reference numbers, depending on the nature of the claim.

Step 3 – Claims Assessment

Our claims team and insurer will review the information provided and assess the claim in line with policy terms and conditions.

Step 4 – Repair or Replacement

Where a claim is approved, repair or replacement options will be discussed and arranged as appropriate.

Our team remains available throughout the process to answer questions and provide support.

Protect Your Independence with First Senior

At First Senior, we are proud to support mobility customers across the UK with specialist insurance designed around real customer needs.

With over 30 years of mobility industry experience, friendly UK-based support and policies designed specifically for mobility users, we are committed to helping provide reassurance, protection and confidence every step of the way.

To find out more about mobility scooter insurance, powerchair insurance or wheelchair insurance, contact our team today or request a quotation online.

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FAQ

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.

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.

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.

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.

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.

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.