For individuals relying on an electric wheelchair, having insurance can provide peace of mind by covering accidental damage, theft, repairs, and liability in case of an accident. In the UK, while electric wheelchair insurance is not legally required, it is highly recommended, especially for users who frequently travel outdoors or in public spaces.
1. Does the NHS or Insurance Cover Electric Wheelchairs?
The NHS Wheelchair Service may provide an electric wheelchair on loan if it is deemed medically necessary. However, these wheelchairs remain NHS property, and maintenance is typically covered by the NHS.
For those who purchase their own electric wheelchair, insurance is not included, and users are responsible for repair costs and liability in case of accidents.
Private health insurance policies may cover electric wheelchairs if prescribed as a medical necessity, but coverage varies between providers. It’s essential to check with your insurer regarding eligibility, coverage limits, and claim procedures.
2. Types of Electric Wheelchair Insurance
If you own an electric wheelchair, you may consider different types of insurance to protect your investment:
✔ Accidental Damage & Breakdown Coverage
- Covers repairs or replacement in case of mechanical failure, accidental drops, or damage from daily use.
✔ Theft & Loss Protection
- Provides financial coverage if the wheelchair is stolen or lost.
- Some policies cover home, public spaces, and travel theft.
✔ Public Liability Insurance
- Covers legal costs and compensation if your wheelchair accidentally injures someone or damages property.
- Recommended for users who frequently travel in public areas.
✔ Travel Insurance for Electric Wheelchairs
- Covers damage or loss during flights, public transport, or international travel.
- Some airlines may require proof of insurance for battery-powered wheelchairs.
3. Where to Get Electric Wheelchair Insurance in the UK?
Several providers offer specialist mobility insurance in the UK, including:
- Fish Insurance – Specializes in mobility scooter and electric wheelchair coverage.
- Surewise – Offers theft, damage, and liability protection.
- Blue Badge Insurance – Tailored for disabled drivers and mobility equipment users.
- Mark Bates Ltd. – Provides comprehensive mobility equipment insurance.
Prices and coverage vary, so it’s important to compare policies to find the best fit for your needs.
4.How Much Does Electric Wheelchair Insurance Cost?
The cost of insurance depends on factors such as:
💷 The value of your wheelchair – Higher-cost models may require more coverage.
💷 Coverage level – Basic plans start from £3-£5 per month, while comprehensive plans can be £10-£20 per month.
💷 Additional features – Adding breakdown assistance, travel insurance, or higher liability cover may increase costs.
5. Do You Need Insurance for an Electric Wheelchair?
While not legally required, insurance is strongly recommended if you:
✔ Own your electric wheelchair privately and want to protect your investment.
✔ Travel frequently and need coverage for theft, damage, or accidents.
✔ Use your wheelchair in public spaces, where liability coverage can protect against unforeseen incidents.
6. Conclusion
Electric wheelchair insurance in the UK provides valuable protection against damage, theft, and liability, ensuring peace of mind for users. While NHS-provided wheelchairs are covered under NHS maintenance, privately owned electric wheelchairs require separate insurance. Choosing the right policy can safeguard your mobility and financial security.
Looking for a reliable electric wheelchair? Contact us today to explore high-quality, durable models that fit your needs!
