Powerchair - Personal Liability Insurance

KennyH1

My daughter uses a powerchair (provided by NHS) and someone recently asked if we have the chair / her insured. Currently we do not. Do we need to consider personal liability insurance in case she hurts anyone / damages something? If so can any one recommend any insurers?

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6674448/powerchair-personal-liability-insurance

Your Home Contents insurance contains public liability which normally does cover you for things like cycling (within the UK). The only possible catch is if it's considered a "motor vehicle" which is always excluded but I would be a little surprised if it were.

Jackie47

hi

My daughter has a power chair and we buy annual insurance which includes 3rd party liability to the tune of £1million. She rammed her chair into a brand new BMW a few years ago, luckily minor damage but since then I insure her chair. Better safe then sorry.

Fish insurance do wheelchair cover as do Surewise.

I hope that helps.

Spoonie_Turtle

I have my wheelchair insured because I bought it myself and it was blooming expensive; I don't know what the situation is with the NHS if hers gets damaged or stolen. My insurance does happen to include public liability, although I forget to what level exactly.

Mine is through Mark Bates because they were the only people I found who would cover it if it were stolen from e.g. a locked car. Everywhere else required that it be kept inside your house, which if you're a full-time user makes sense but for me I needed it to be okay when we stay in a caravan and we can't get my chair inside (I use a rolling stool to get around then, rather than my wheelchair).