You may insure your powerchair or scooter for a period
of 1,2 or 3 years.
Any driver cover.
Any person may use your powerchair or scooter with your permission.
Loss or Damage
Covers the cost of repairs to or replacement of your powerchair or
scooter following Accidental Damage, Fire, Theft, Storm or Flood.
(Damage to tyres is excluded).
Legal Liability Protection
Covers both the USER of the powerchair or scooter and the Personal
Assistant or Attendant arising out of the use of the powerchair or
scooter.
Court awards are covered for injuries to any person (including claimants
costs and expenses for injuries). Cover is also provided in respect
of damage caused to property belonging to other people.
Extra cover is provided to the user for injuries or damage sustained
to the user caused by the Personal Assistant provided they are not
otherwise insured. Limit any one claim £2 million.
Get-You-Home
You need not worry about being stranded following an accident or breakdown
(including punctures and battery failure).
We will cover the cost to get you and your powerchair or scooter home
e.g. by taxi. Limit any one claim £100. Maximum £200 per
policy year.
New for Old Replacement
If your powerchair or scooter is less than 2 years old (or less than
3 years old in respect of accidental damage claims only) and the cost
of insured repairs are likely to be more than 60 % of the list price
of a new mobility product of a similar make and model, a new replacement
machine will be provided. The same cover applies if your machine is
stolen.
Personal Injury(max age 80 years)
Where the declared user is injured whilst using your powerchair
or scooter the policy will pay £3000 in respect of death or
loss of one or more limbs or permanent blindness in one or both
eyes.
Property on Loan
Free cover is provided for any wheelchair, powerchair or scooter
loaned to you whilst your own machine is being repaired.
Personal Effects Cover
Up to £200 towards loss, damage or theft of personal effects
as a result of an insured event. The first £5 of each claim
is excluded.
Cost of hiring alternative equipment
Contribution towards temporary hire charges of an alternative similar
mobility product (subject to availability) whilst your powerchair
or scooter is being repaired following an insured event. Benefit
up to £5 per day. Maximum total benefit £100 per policy
year. No benefit applies for the first 7 days.
Hospital benefit
£10 per day towards your expenses whilst in hospital following
injury sustained in an accident with your powerchair or scooter.
Maximum
total benefit £250 per policy year. No benefit applies for
the first 7 days.
Convalescence benefit
Up to £250 following a mugging whilst using your mobility
product (subject to police and doctor's report).
Worldwide cover
Cover is provided free of charge for up to 30 days worldwide. (Loss
or
damage by baggage handlers is excluded and liability cover in North
America or Canada is excluded).
Replacement product following injury
If following an insured event, resulting in a claim under the Hospital
Benefit; your health deteriorates to the extent that your powerchair
or scooter is unsuitable for your new medical condition; we will
exchange your powerchair or scooter with one to meet your new medical
circumstances. Maximum amount payable £3000.
Free manual wheelchair cover
Cover for the policyholder's manual wheelchair up to £2000.
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