Wheelchair Insurance: Manual and Electric/ Powerchair
Wheelchair Insurance Policy Sections
For most disabled people who use a wheelchair, it is their only means of independence. Wheelchair insurance is now becoming more popular, as insurance companies realise how large the insurance market is in the disability mobility market. For a disabled person to have their wheelchair out of action due to damage, theft or fire, can have devastating consequences, both physically and mentally.
Some home contents insurance policies already cover wheelchairs, and some policies can have wheelchairs added to them as additional items, so before contacting a dedicated wheelchair insurance company, double check your home contents policy first.
Electric Wheelchair Insurance
Electric Wheelchair (powered) insurance policies are generally more expensive than manual wheelchair insurance policies. This is due to the capital cost of the wheelchair. Because electric wheelchairs are very advanced pieces of equipment, there is also a higher probability of mechanical failure. An insurance policy for an electric wheelchair would generally cover:
- Personal injury
- Extended warranty
- Vandalism and theft
- Accidental damage
- Breakdown cover
Typical policy duration for electric wheelchair insurance, for equipment purchased new, the option of insuring is typically for 12, 24 or 36 months. For used equipment, you will normally only be allowed to take out insurance for a period of 12 months.
In some instances, adapted manual wheelchairs are also covered, if they are fitted with electric power equipment such as Alber e-fix or PDQ Power Trike.
If your wheelchair has been supplied by the NHS or Motability, check with them about who is responsible for insurance, before purchasing wheelchair insurance from a private company. If your wheelchair is provided by Medicaid or Medicare, check to see if they are responsible for insuring your equipment.
Manual Wheelchair Insurance
Manual wheelchair insurance is generally cheaper than cover for an electric/power wheelchair, but it only covers manual wheelchairs. Such a manual wheelchair insurance policy would generally cover the wheelchair for:
- Accidental damage including flood, fire and storm
- New for old replacement
Generally, wheelchair insurance policies for owners of manual wheelchairs, cover up to around £3000. If your wheelchair has been supplied by the NHS or Motability, check with them about who is responsible for insurance before purchasing wheelchair insurance from a private company. If your wheelchair is provided by Medicaid or Medicare, check to see if they are responsible for insuring your equipment.