Mobility Scooter Insurance Policy

In return for payment of your premium your insurer will provide the insurance cover detailed in this policy.

Your policy is made up of:
a) This document, which gives details of the insurance cover you have bought from the insurer;
b) The policy schedule, which contains your details, summarises the level of cover and the sections
of this document which are included in your policy; and
c) Any amendments to the insurance that either you or the insurer have told the other about.

You should read your policy carefully to make sure that:
a) You understand the details of the cover;
b) The policy meets your needs; and
c) The details in the policy schedule are correct.
You should let us know as soon as possible if any of these are not true.

Each section in this document is split into:
a) Details of what you are covered for;
b) Details of what you are not covered for; and
c) The limits of the cover provided.

Each of these only applies to the section in which it appears.

Your policy also includes general conditions that apply across the whole policy, unless stated otherwise.

The insurer has tried to explain the policy as clearly as possible, however, if you have any
questions, please call Blue Badge Mobility Insurance on 01730 233 101.

From 16 November 2024 this mobility scooter insurance or wheelchair insurance is underwritten by The Salvation Army General Insurance Corporation Limited (Sagic) who are
authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority, Financial Services Register No 202 327.

Blue Badge Mobility Insurance are authorised and regulated by the Financial Conduct Authority.

The following words or phrases have the meaning defined below whenever they appear in bold
throughout this document.

Accident:
An unplanned, unexpected and unintentional incident that occurs at a
specific time and place during the period of insurance.

Accidental damage:
Sudden and unexpected damage, occurring at a specific time during the
period of insurance and caused by external means.

Claims Administrator:

Policies taken out before 16 November 2024:

MPL Claims Management Limited for sections 1–10 and 12-13 or National Breakdown for
section 11.

Policies taken out on or after 16 November 2024:

Surewise Claims: 01266 200020

Claims@surewise.com

Enabling device:
Any device (electronic or not) that is required to operate the scooter or
wheelchair, the removal of which renders the scooter or wheelchair
inoperable.

Family:
Your relatives, or partner who normally lives with you.

Friend:
Any person using your scooter or wheelchair with your permission and who is
legally allowed to do so.

Home:
The private dwelling shown on your policy schedule

Immovable object:
Any solid object that cannot be moved without damaging or destroying it.

Insured event:
Loss or damage to your scooter or wheelchair caused by accidental
damage, or as a result of natural causes (e.g. fire flood storm), or theft or the
accidental loss or theft of, or accidental damage to, any insured key(s).

Insured key(s):
A key to any external door to your home, or mobility scooter including
electronic key fobs and immobiliser keys.

Insurer:
From 16 November 2024, The Salvation Army General Insurance Corporation Limited (Sagic)

Period of insurance:
The time from the start date shown on your policy schedule and:
  the end date shown in the policy schedule; or
 the date on which you or we/ your insurer cancel the policy; or
 the date your Claims Administrator/ insurer pays a claim for total loss
whichever is earlier.

Personal belongings:
Items you own that you normally wear or carry.

Puncture(s):
Unexpected deflation of a tyre(s) on a scooter or wheelchair

Scooter or wheelchair:
The mobility scooter or, power chair, manual wheelchair or disability adapted
tricycle as detailed in the policy schedule

Total loss:
Loss of or accidental damage to the mobility scooter or wheelchair caused
by an insured event where the costs or repair are more than the insured value
of the scooter or wheelchair.

Vehicle:
A car or motorcycle registered in your name

We/us/our:
Blue Badge Mobility Insurance

You/your:
The person shown in the policy schedule as the Insured. If you die or become
incapable of managing your financial affairs, we/ your Claims Administrator/
insurer will treat your executors as you for the purposes of any legal
responsibility that may arise.