Getting More Security For Mobility Scooters: Choosing An Insurance Plan

By Author: Shilpika Ponnappa
Total Articles: 428
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If you are using a mobility aid, you might have asked yourself the same question most motorists have been asking themselves: what is the best insurance policy for such a transportation device? Compared to other “proper” transportation options, you are not really required to get insurance for the mobility aid. Therefore, you can drive them once you get them and as long as you follow the rules, you will not be asked for your insurance which in regular motorists, is a must. However, the assumption of driving on the road means you will be using it on the pavement or pedestrian lanes only.

It is worth considering getting an insurance policy for your mobility scooters. This is necessary since in the UK alone, thousands of scooter related injuries on pedestrians have been documented and such devices are very easy to steal. Getting insurance is a great way to secure your device as well as your finances if you are at fault of an injury. With the insurance, if a claim against you is made, the company will be there to help you out and pay for the claim if you reach an agreement. Of course, you have to review the actual coverage ...
... before finalizing the deal with the company.

Most of the time, the coverage of the mobility scooters include repairs and replacement of the scooter if it were totaled or damaged. In some cases, the insurance company also offers guarantees to get you and your scooter home if ever the device experiences technical issues. The service can be available for a certain period only or throughout the extent of the policy, 24/7. When talking to the insurance company, be sure that you clear all the details of the policy. What are the benefits? What are the limitations? This is to ensure that you avoid particular kinds of travel or use of the scooter. Use on dual carriageways might not be covered and so if you travel in these areas, check and see if they cover such aspects.

Spending on insurance is necessary. If there is a problem, normally, it will involve costs. Insurance serves as a cushion that minimizes the impact of the accident or situation that the policyholder has with regards to the use or misuse of the scooter. It is very important that you shop for different insurance policies. Not all companies offer such a service for disabled people so you might want to do some extra effort in finding the right options. Once you have found them, it will be easier for you to compare the plans and finalize.

Shilpika Ponnappa,
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