What does mobility scooter insurance cost?

When buying mobility scooter insurance, you naturally want to know how much premium you will have to pay. What mobility scooter insurance costs depends on a number of factors. For example, the risk you want to run. The higher the risk for the insurer, the more premium you pay. In addition, the age of your mobility scooter and the type of vehicle also determine the premium.

Only a few insurers offer mobility scooter insurance. At Alpina, we can help you compare and purchase mobility scooter insurance.

How is the premium determined?

Mobility scooter insurance is relatively simple insurance. With car insurance, the premium depends in part on the number of claim-free years. However, with mobility scooter insurance, you do not build up any claim-free years. Also, the weight of a mobility scooter and how often the vehicle is used are not premium determining factors. However, the type of coverage, the type of mobility scooter and the age of the driver can affect the cost of mobility scooter insurance.

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What does mobility scooter insurance cost?

What mobility scooter insurance will cost you per month depends largely on the coverage you choose. The WA mobility scooter insurance is mandatory. This is also the cheapest form of insurance. The costs range from a few tens to just over a hundred euros for a year. You will pay the highest premium for the all-risk mobility scooter insurance. In that case, the premium also depends on the catalog value of the mobility scooter. Read more about the different coverages for your mobility scooter here.

Covered or uncovered vehicle

The premium for mobility scooter insurance also depends on the type of mobility scooter. The cost of insuring a covered mobility scooter is significantly higher than a non-covered mobility scooter. Note that a covered mobility scooter is often only insurable by physically challenged drivers.

Deductible mobility scooter insurance

With mobility scooter insurance, you also face a deductible. This means that the first expenses you incur in the event of damage are at your own expense. The differences between insurers can be large and also depend on the age of the driver. For example, a mobility scooter insurance with WA or All-risk coverage has a deductible of €750 in case of damage caused by a driver younger than 24 years of age. For the All-risk (Casco) module there is also a standard excess of €100 per event.

Purchase mobility scooter insurance for one year

Insurance for a mobility scooter runs from May to May. You also purchase the insurance for that entire period. You can choose to pay the premium monthly, quarterly or annually. Because of the premium, this makes no difference. The insurance does not start until October? Then it will continue until May of the following year.

Should the insurance be terminated within the year, you will of course receive a refund of excess premium paid.

Additional insurance scooter: recourse legal assistance

When you take out mobility scooter insurance, you can additionally insure yourself for recourse legal assistance. With this coverage, in the event of an accident, the damage and additional costs of the damage resulting from the accident will be recovered from the other party if they are liable.