Clear, practical advice on daily living equipment
At the moment you are not legally required to have insurance for driving your scooter or buggy on the road. (BHTA, 2004), (Directgov, 2011), (DfT, 2011), (DVLA, 2011), (Rica, 2010).
However, it is recommended that you take out an insurance policy to cover your mobility scooter or buggy against accidental damage, theft and third party liability, in case of damage or injury to someone else or their property. (BHTA, 2004), (Directgov, 2011), (DfT, 2011), (DVLA, 2011), (Rica, 2010).
As with all insurance, get more than one quote.
Before buying a specific policy, you should check your household insurance to see if your scooter could be covered.
Class 2 scooters or buggies do NOT need to be registered with the DVLA, as they are not for use on roads. (DfT, 2011), (DVLA, 2011).
However, Class 3 mobility scooters or buggies DO need to be registered for road use, be licensed in the "disabled" taxation class and display a nil duty tax disc. (Directgov, 2011), (DfT, 2011), (DVLA, 2011).
Registration is free and the scooters are at present not required to have registration plates.
To register and license a Class 3 vehicle, the form V55/4 for new vehicles and V55/5 for used vehicles should be completed. You can access these forms by visiting www.direct.gov.uk/motoring, by picking up the leaflet in most post offices, or by phoning 0870 243 0444. Guidance on completing the forms can be accessed in the DVLA's leaflets INF210 and INF211. (Directgov, 2011).
Failure to register vehicles with the DVLA is a criminal offence which could prove problematic if you are involved in an accident either on the road or pavement.
A number of private hire firms make daily/weekly/monthly hire charges, which may vary in amount and in the conditions attached. There are a few points that you may wish to consider before taking out a hire contract for a piece of equipment, for example:
Many towns and cities have Shopmobility schemes through which people can be loaned scooters, manual wheelchairs and powered wheelchairs to enable them to go shopping. Some of the schemes are free but some require a returnable deposit. For details of your nearest Shopmobilty centre contact the National Federation of Shopmobility (NFSUK).
The Motability Scheme enables disabled people to use their government-funded mobility allowances to obtain a new scooter, powered wheelchair or car. However, this excludes mobility buggies.6-7
Full details of the scheme and latest prices are on the Motability web site. They also have a useful booklet - Your guide to getting a Motability scooter or powered wheelchair
Insurance is encouraged but not legally required for any powered vehicle in either category, Class 2 for pavement use or Class 3 for pavement and road use (Directgov, 2011), (DLF, 2006), (DfT, 2011), (DVLA, 2011) and (Ricability, 2010)
All advice is either supported by references (cited in the text) or is based upon peer reviewed professional opinion. Our advice is impartial and not influenced by sponsors or product suppliers listed on the site.
Conflict of interest statement