Recently there was a story in the Daily Mail reporting on the case of a lady who had had an accident in a supermarket. She contested the claim for personal damages made by the employee who was injured and lost the case, resulting in a bill for £10,000 in legal costs and a further £3000 in damages. She did not have insurance and is now faced with the possibility of having to sell her home in order to pay her debt. We know of 2 customers who have driven their machines straight into showroom windows and they have had to pay for the damage they caused. Had they taken out insurance this would have been paid for by the insurance company. In one case the cost to the mobility scooter user was £584 for replacing the window, he then contacted us and asked for insurance which was supplied at a cost of £65.
We insure our home, our car, our pet, our mobile phone so why is it that many mobility scooter users choose not to insure their mobility scooter? Perhaps they think that the cost will be prohibitive, but this is not the case. For not much more than a pound a week they would be covered against theft, vandalism and accidental damage. Lost keys, injury cover, 24/7 recovery are insured and perhaps the most important cover is for public liability. Cover for up to £2million and protection against 'no win, no fee' specialists is also provided.
Is it worth it? The answer is obvious if you want to protect your bank balance and have complete peace of mind. Should it be compulsory? That's a question for another day.
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