What mobility scooter insurance should I buy?

Once you have purchased a mobility scooter, the next step is to get proper mobility scooter insurance. As with a car, third-party mobility scooter insurance is required as a minimum. You are then insured for damage you cause to others with your mobility scooter. A more comprehensive mobility scooter insurance is the WA full body coverage. But which mobility scooter insurance should you take out now?

Getting mobility scooter insurance: what coverage will you choose?

Third-party insurance for your mobility scooter is a minimum requirement. This insures you for damage you cause to the other party. Damage to your own mobility scooter will not be paid for. Is the damage recoverable from the party causing the damage? In this case, you can try to hold the other party liable yourself. With third-party coverage, the insurer will not do this for you.

With WA cash coverage, you are much more broadly insured. In the event of a collision, you will be paid for the damage to your own vehicle, but the coverage is broader than that. Your mobility scooter is also insured against theft, vandalism, joyriding and damage. It does not work with claim-free years, as with car insurance. Unlike car insurance, for example, it does not work with claim-free years. Therefore, if you claim a damage on your insurance policy does not result in an increase of the insurance premium in the next insurance year.

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Which mobility scooter insurance policy to purchase?

You now know what coverages are available for your mobility scooter. But which mobility scooter insurance should you take out now? The choice of coverage depends on your personal situation and needs. Third-party insurance is often chosen for older mobility scooters with only minor value left. This is also the cheapest form of insurance. Costs range from a few tens to just over a hundred euros for a year. Read more about mobility scooter insurance premiums here .

However, a mobility scooter with a value of a few thousand euros is not exclusively insured against legal liability. In case of an accident caused by you, this coverage will not pay for the damage to your mobility scooter. In that case, you choose the all-risk coverage.