Wheelchair insurance safeguards your wheelchair—manual or powered—against theft, accidental damage, and public liability. Whether used at home, in public spaces, or during travel, this insurance ensures financial protection and peace of mind.
SynergiseUK works with trusted insurers who specialise in mobility equipment protection, offering flexible policies to suit individual needs.
Who Is It For
Wheelchair insurance is suitable for:
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Individuals using manual or powered wheelchairs daily
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Carers or family members responsible for wheelchair care
What Does It Cover
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Theft or attempted theft of the wheelchair
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Accidental damage or breakdown (for powered wheelchairs)
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Public liability protection in case of injury or property damage
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Optional personal accident cover
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Optional coverage for wheelchair accessories
Listed below are just some of the key features of each policy:
- No Excess
- Theft, Vandalism and Accidential Damage
- Third Party Liability and Legal Expenses
- Puncture Repair
- Fire Storm and Flood
- International travel cover (Excluding USA and Canada)
- No Hidden Fees
Why Choose This Insurance
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Protects a vital mobility device against theft and damage
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Covers liability for public use
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Offers optional protection for accessories and personal accidents
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Peace of mind for wheelchair users and their families
Some of the policies are underwritten by SAGIC being The Salvation Army General Insurance Corporation, which are wholly owned by The Salvation Army. This means when you buy this policy from some of our providers, you will be helping The Salvation Army support people in need and gives you an ethical, trustworthy underwriter to look after you in the event of a claim.
Important Considerations
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Ensure all accessories are declared for full cover
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Check whether cover applies at home, in transit, and in public areas
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Review liability limits and optional personal accident cover
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Confirm whether powered wheelchair mechanical breakdown is included
Protect Your Wheelchair Today
Keep your wheelchair fully protected against theft, damage, and liability.
Frequently asked Q&A's
Wheelchair Insurance protects your manual or electric wheelchair against theft, accidental damage, fire, storm and third‑party liability, so you’re covered for repairs, replacement and legal costs if something goes wrong.
No, it isn’t legally required, but insurance is strongly recommended because wheelchairs are expensive and essential for daily mobility, and cover gives you peace of mind.
Policies usually include loss or damage, theft, vandalism, storm/fire damage, third‑party liability and sometimes personal accident cover.
Yes, third‑party liability is generally included, protecting you if your wheelchair accidentally injures someone or damages their property.
Yes, theft and attempted theft are normally included if there’s evidence of forcible entry or secure storage at the time the wheelchair was stolen.
Yes, most wheelchair insurance policies cover both manual and electric wheelchairs under one plan, subject to value limits.
Many policies include small personal effects cover, protecting items you carry with your wheelchair if lost or damaged in an insured event.
Yes, many wheelchair insurance plans include temporary international cover for holidays or short trips (usually excluding Canada and the USA).
Costs vary depending on the level of cover, the value of your wheelchair, and optional extras, but policies are usually affordable and designed for mobility needs.
Yes, many insurers include hire costs to keep you mobile while your wheelchair is being repaired or replaced after an insured event.
Some policies offer optional breakdown recovery or puncture cover so you can get back on the move if your wheelchair suffers a fault on the go.
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