Published 27 September 2026
Quick answer: Mobility scooter insurance is not a legal requirement in the UK, but specialist policies are cheap. Annual cover starts at £38 with Surewise, Blue Badge and Fish, and £65 with ETA, typically buying £2 million of public liability plus theft, accidental damage and some breakdown help. The from-prices are not like-for-like: each has a different cap on the scooter value it covers.
Last checked: 27 September 2026. Every figure on this page was read on the named insurer’s own website or policy documents on that date. Policy terms change, so confirm the current wording with the insurer before you buy.
Do you legally need it?
No. GOV.UK states: “You do not need insurance for a class 2 or class 3 mobility scooter or powered wheelchair, although it’s recommended.” The one exception is a vehicle too heavy to be in either class: GOV.UK says you must insure a vehicle whose total weight is over 254kg. Almost no ordinary mobility scooter falls into that category.
The case for buying it anyway is the liability, not the scooter. If you injure someone or damage property, you are personally liable, and the policies below all lead with public liability of £2 million or more. The scooter cover, the theft cover and the breakdown help ride along behind that.
What the specialist providers offer
These are the figures each insurer publishes on its own website or in its own policy documents, all read on 27 September 2026. Where a figure was not published, the cell says so; we have not filled gaps with guesses.
| Provider | Price from | Public liability | Personal accident | Max scooter value | Breakdown | Underwriter |
|---|---|---|---|---|---|---|
| Surewise | £38/year (£3.80/month) | £2m | £3,000 | £15,000 | £150 recovery standard; optional 24/7 recovery, 20-mile radius | SAGIC |
| Blue Badge Mobility Insurance | £38/year | £2m | Not published | Not published | Optional recovery, 20-mile radius | SAGIC |
| Fish Insurance | £38/year (Lite, scooters up to £1,500) | £2m (Standard wording) | £3,000 | £7,000 damage limit (Standard) | £100 get-you-home per breakdown (Lite/Standard); 24/7 with home recovery on Extra | Bspoke Underwriting for Watford Insurance Company Europe |
| ETA | £65/year (scooters up to £3,500) | £2m | £20,000 | £10,000 | Included, up to 25 miles, 24/7 | Not published on pages we could read |
| Mark Bates (Premier Care) | Quote only | £2m Standard, £5m Plus | £1,000 | Not confirmed current | 24/7 national recovery, 3 claims a year, within 50 miles of home | China Taiping Insurance (UK) |
| First Senior | Quote only | £3m | Not published | Not published | Optional roadside recovery | Not published |
All six firms state they are authorised and regulated by the Financial Conduct Authority. The firm reference numbers published on their own sites: Surewise and Blue Badge 618327, Fish 310172, Mark Bates 308390, ETA (Twothreebird UK Ltd) 313965, First Senior 308478.
Two of these brands are the same company
Surewise and Blue Badge Mobility Insurance are both trading names of Sure Wise Limited of Hadleigh, Essex, under the same FCA registration, and both policies are underwritten by the Salvation Army General Insurance Corporation. Blue Badge’s own policy page names Surewise Claims as its administrator. Both facts appear on the firms’ own pages. It is worth knowing before you count a quote from each as two independent quotes: for comparison purposes, they are one.
Why the from-prices are not comparable
Three providers advertise a £38 or £65 entry price, and each attaches a different ceiling to it. Fish’s £38 Lite tier only covers scooters worth up to £1,500. ETA’s £65 policy covers scooters up to £3,500. Surewise’s £38 entry point sits under a product that covers scooters up to £15,000. If your scooter cost £2,000, the cheapest advertised price in the market is not available to you from every provider, so compare quotes for your actual scooter, not headlines.
Read the theft conditions before you rely on them
Theft cover in this market comes with storage conditions, and they differ enough to matter.
Fish’s Standard policy wording requires the scooter to be secured to an immovable object by a padlock and chain, or kept in a locked and secure building, whenever it is left unattended for more than an hour, and the theft must be forcible. ETA excludes theft if the scooter is left unattended in a public place for more than one hour, or for more than 12 hours even when secured with an appropriate lock. Mark Bates excludes theft while the scooter is unattended unless the starter key has been removed, with the padlock-and-chain rule applying after an hour. Surewise states scooters must be locked up whilst stored.
The pattern is consistent: a scooter left outside a shop for the afternoon, unlocked, is probably not covered by any of these policies. If you cannot store the scooter in a locked shed, garage or hallway overnight, say so when you get a quote.
What we could not confirm
In fairness to the providers, these gaps are ours, not theirs; the information was not on the pages we could read. We could not confirm the policy excess for Fish, Blue Badge or ETA. Mark Bates publishes no current from-price, and the only document of theirs stating “no excess” is dated 2015, so we have not presented it as current. ETA’s insurer for this product is not named on the pages we read. First Senior publishes cover features but no prices. If any provider wants a figure corrected or completed, email hello@reviewmobility.co.uk and we will update the page and note the change.
How to choose
Get quotes for your actual scooter from at least two of the providers above, then compare five things: the public liability limit, the excess, the theft storage conditions against where you will really keep it, whether breakdown recovery is included or an add-on, and the personal accident figure. If you travel, check the worldwide cover days: Fish’s Standard wording covers up to 21 days worldwide, and Mark Bates and Blue Badge both advertise 90 days.
Frequently asked questions
Is mobility scooter insurance a legal requirement in the UK?
No. GOV.UK states you do not need insurance for a Class 2 or Class 3 mobility scooter, although it is recommended. The exception is a vehicle over 254kg total weight, which must be insured.
How much does mobility scooter insurance cost?
Specialist annual policies start at £38 with Surewise, Blue Badge and Fish, and £65 with ETA, based on their own published prices read on 27 September 2026. The entry prices carry different scooter-value caps, and comprehensive cover on a valuable scooter costs more.
What does mobility scooter insurance cover?
Typically public liability of £2 million or more, theft subject to storage conditions, accidental damage, fire and vandalism, a personal accident benefit, and some level of breakdown recovery. Exact limits vary by provider and tier.
Does mobility scooter insurance cover breakdown?
Sometimes. ETA includes 24/7 breakdown up to 25 miles. Mark Bates includes national recovery limited to three claims a year. Surewise includes £150 of recovery costs with a fuller recovery service as an add-on, and Fish’s cheaper tiers pay a £100 get-you-home allowance per breakdown.
Is a mobility scooter insured through home insurance?
Some home contents policies cover a scooter against theft at home, but they will not provide public liability while you are riding it, which is the main reason to buy specialist cover. Check your home policy wording before assuming either way.
How this page was compiled
We read each provider’s public product pages and, where published, their policy wordings and insurance product information documents, on 27 September 2026: surewise.com, fishinsurance.co.uk (including the Standard policy wording PDF dated 01/25), markbatesltd.com (including the scooter and powerchair IPID), bluebadgemobilityinsurance.co.uk, eta.co.uk, firstsenior.com, and the GOV.UK mobility scooter rules pages. No insurer paid to appear on this page, none saw it before publication, and we have no affiliate relationship with any provider named. Review Mobility sells optional paid listings in its company directory; a paid listing does not change what we publish, and none of the firms above paid for their inclusion here. This page is general information, not financial advice, and it is not a personal recommendation of any policy. Corrections: hello@reviewmobility.co.uk.
Published 27 September 2026