1-Year Standard Insurance

Scooter & Powerchair Insurance
What is insured?
The following relate to loss, damage or injury as a result of the ownership or use of your mobility equipment.
Loss or Damage As a consequence of any sudden, unexpected and accidental cause, including fire, theft, storm and flood.
Replacement on a “New for Old” Basis Personal Liability Legal liability for accidental
injury to any person or damage to property.
24/7 National Breakdown Recovery Gets you and your property home following breakdown or damage.
Loss of Keys Cost of replacing lost starter keys and cost of returning home to obtain a spare.
Personal Accident A benefit is paid if you suffer death or serious bodily injury.
Personal Effects Loss or damage to your personal effects if your mobility equipment is damaged at the same time.
Temporary Mobility Equipment Covers mobility equipment whilst on hire to you.
Hire Costs Cost of hiring similar equipment whilst your scooter is in for repair following insured damage.
Hospitalisation Benefit A payment if you are hospitalised following an accident.
Mugging Benefit If you are mugged we will pay for loss of personal effects and cost of convalescence.
Vet Fees If a pet travelling with you is injured.
Dental Fees If you suffer bodily injury resulting in damage to your natural or prosthetic teeth.

What is not insured?
Loss or Damage whilst unattended No cover if the property is left for more than an hour, unless secured to an immovable object by a padlock and chain. Also, no cover applies if the property is left for more than 12 hours or overnight, unless kept in a locked building or room within the confines of your private dwelling or a room where you are temporarily residing.
Theft or Vandalism Whilst unattended, unless the starter key has been removed.
24/7 National Breakdown Recovery If you are more than 50 miles from home. Also if caused by damage to tyres or battery failure, but this exclusion does not apply to “Plus”.

Personal Liability No Cover whilst in USA or Canada.
Are there any restrictions on cover? “New for Old” Replacement Up to 2 years, or 3
years for “Plus”.
Personal Liability Limit of £2M, increasing to £5M for “Plus”.
24/7 Breakdown Recovery Maximum 3 claims in any one year.
Loss of Keys £50 limit and only one claim payable in any one year.
Personal Accident Benefit of £1,000. For “Plus”, death benefit is £1,000 or the purchase price of your property whichever is the greater.
Personal Effects Limit £150, increasing to £300 for “Plus”.
Temporary Mobility Equipment Up to your sum insured.

What is insured? Additional “Plus” benefits
Punctures Cost of repairing a puncture to any tyre fixed to the mobility equipment.
Legal Expenses To recover damages from a negligent third party if you are injured or your mobility equipment is damaged.
Manual Wheelchair Covers any manual wheelchair you own.
Alternative Mobility Vehicle If you suffer injury and your existing equipment is no longer suitable, the cost of replacing your existing equipment with an item to a higher specification.
Any Driver Covers any person driving your equipment with your permission.

Punctures Only on “Plus” limit £60, subject to maximum of 3 claims in any one year.
Legal expenses Only on “Plus” limit £25,000. Manual Wheelchair Only on “Plus” limit £1,000.
Alternative Mobility Vehicle Only on “Plus” limit £3,000.