Wheelchair Insurance Policy
The manual Wheelchair Policy is broken down into two separate Sections of cover Material Damage and Personal Liability.
Material Damage
Significant Features and BenefitsLoss or damage to the wheelchair (excluding accessories) by any accidental cause (including fire, theft and malicious damage) whilst in the UK, the Channel Islands or the Isle of Man and, subject to prior notification, elsewhere in the world for up to 30 days in any one year of insurance.
Basis of Settlement - where the wheelchair is; (1) purchased new and is less than 2 years old, the cost of repair or replacement, in either case to a condition equivalent to, or substantially the same as, but not better or more extensive than, its condition when new
(2) more than 2 years old, or purchased by you second-hand, the cost of repair or replacement on the basis of indemnity.
The maximum amount payable will not exceed the sum insured, which, unless specially agreed, will be the purchase price.
In addition the following benefits apply:
Get You Home - the costs of getting you and the wheelchair back home following breakdown or insured damage up to £25 any one claim and £50 in any one year of insurance.
Temporary Mobility Equipment - cover includes any similar wheelchair whilst temporarily on hire or loan as a replacement following loss of, or damage to, the wheelchair, subject to prior notification.
Hire Costs - the cost of hiring similar mobility equipment pending replacement or repair to the wheelchair following insured loss or damage, excluding the first 7 days of hire and subject to a maximum of £5 per day and £50 in any one year of insurance.
Significant and Unusual Exclusions or LimitationsA number of exclusions apply, the ones most specific or unusual being as follows;
(1) loss or damage due to;
(a) manufacturing defect, wear and tear, gradual deterioration, electrical or mechanical breakdown, defective workmanship or misuse
(b) scratching or denting, unless such loss or damage affects the normal operation of the wheelchair
(c) any process of cleaning, altering, servicing or repairing
(d) delay, confiscation or detention by customs officials, the police or similar authorities
(e) atmospheric or climatic conditions
(2) loss or damage whilst the wheelchair is in the possession or control of airport authorities, baggage handlers or on an aircraft
(3) loss of, or damage to, tyres by application of brakes or by punctures cuts or bursts
(4) loss or damage by theft or malicious persons;
(a) due to obtaining the wheelchair by deception
(b) of, or to, the wheelchair whilst left unattended (other than whilst stored in a locked and secure building) for more than one hour, unless secured to an immovable object by a good quality padlock and chain
(c) of, or to, the wheelchair whilst stored overnight in an unattended motor vehicle, unless such vehicle is parked in a locked and secure building
(5) loss or damage by any cause whatsoever of, or to, the wheelchair whilst left in the open;
(a) for more than 12 hours
(b) overnight.
Personal LiabilitySignificant Features and BenefitsAll compensation, together with claimants’ and defence costs and expenses, for which you are legally liable as a consequence of actual bodily injury or accidental loss of, or damage to, property, arising in connection with the ownership, possession or use of the wheelchair by you, up to £2,000,000 in any one year of insurance.
This is a ‘claims made’ insurance, which means that an indemnity will only be provided for claims first notified to you during the current year of insurance.
Cover extends to include any person acting as a carer or attendant of yours whilst the wheelchair is under their custody and control with Your permission, provided that no other insurance in respect of the carer or attendant is in force.
Cover is provided within the United Kingdom, the Channel Islands and the Isle of Man and, subject to prior notification, up to 30 days worldwide (excluding USA and Canada) in any one year of insurance.
Cover extends to include damages and taxed costs awarded to you arising out of your ownership, possession or use of the mobility equipment should that amount remain unpaid in full, or in part, after 3 months, provided that;
(1) the award is not the subject of an appeal
(2) the incident giving rise to the award occurred;
(a) in the United Kingdom, the Channel Islands or the Isle of Man
(b) after the inception of the Policy
(3) you shall assist the insurer to enforce your rights of recovery
(4) the limit of liability shall not exceed £2,000,000.
Significant and Unusual Exclusions or Limitations
A number of exclusions apply, the ones most specific to this cover being as follows:
(1) bodily injury to you or any of your employees
(2) loss of, or damage to, property belonging to you, or for which you are responsible
(3) any event occurring prior to the inception of this policy
(4) an award of any court outside the United Kingdom, the Channel Islands or the Isle of Man
(5) the activities of any carer or attendant who is being paid for such service by You, or any other person or entity on your behalf.
GeneralWe are an Agent for Mark Bates Ltd who are authorised and regulated by the Financial Services Authority. A Keyfacts sheet will be sent when you purchase the insurance or on request please ring 0845 867 4918
How to claim
Mark Bates Ltd Premier House Harlaxton Road Grantham NG31 7JX Telephone: 01476 593887
You should immediately report to the police any incident involving theft, malicious damage, vandalism or loss of property.
The policy document provides full details of the action you should take in the event of a claim.
LanguageThe policy and associated documentation and all information relating to this insurance communicated to you shall be in the English language.
Law There is a choice of law applicable to this insurance, but unless otherwise agreed between you and the insurer, English Law will apply.
The InsurerThe insurer is Lloyd's syndicate 2001 managed by Amlin Underwriting Limited through its service company Amlin Insurance Services.
Cancellation If, on perusal, you decide that you do not wish to accept the policy, you may return it within 14 days of receipt and we will refund the premium.
Otherwise, you may cancel the policy at any time and the insurer will allow a refund of premium paid in accordance with its short period rates in force at the time of cancellation.
No refund of premium will be allowed if a claim has occurred during the insurance period.
We may cancel this insurance on behalf of the insurer by sending 14 days' notice to your last known address. We will work out the premium for the period we have been insuring you and refund any difference.
Compensation Scheme RightsIn the event that the insurer is unable to meet its legal obligations under this insurance, you may be entitled to apply for compensation under the Financial Services Compensation Scheme.
Complaints Procedure
It is always our intention to provide you with a first class standard of service. However, if you are unhappy in any way and wish to make a complaint, in the first instance please contact us at
Mark Bates Ltd Premier House Harlaxton Road Grantham Lincolnshire NG31 7JX
Should the matter not be resolved to your satisfaction, a more formalised complaints procedure will be found in the policy document, or on request.
Ultimately, if your enquiry or complaint cannot be resolved, the laid down procedure will refer you to the Financial Ombudsman Service.
Mark Bates Ltd and the insurers mentioned herein are authorised and regulated by the Financial Services Authority.
Our Premier Care and Premier Care Plus policies are designed for owners of mobility scooters and power chairs valued at up to £7000. Premier Care offers a wide range of standard cover, with Premier Care Plus providing additional benefits for customers requiring truly comprehensive insurance protection.
Our Premier Care and Premier Care Plus policies are designed for owners of mobility scooters and power chairs valued at up to £7000. Premier Care offers a wide range of standard cover, with Premier Care Plus providing additional benefits for customers requiring truly comprehensive insurance protection.
Our Premier Care Mobility Warranty and Accidental Damage policy is designed for owners of mobility equipment for use in the home such as beds, chairs and stair lifts and provides insurance protection in the event of accidental damage, including damage following accidental mechanical or electrical breakdown.
Our Premier Care Mobility Warranty and Accidental Damage policy is designed for owners of mobility equipment for use in the home such as beds, chairs and stair lifts and provides insurance protection in the event of accidental damage, including damage following accidental mechanical or electrical breakdown.
