Warranty vs Insurance: What’s the Difference?

Warranty vs Insurance: What’s the Difference?

When buying a mobility scooter or powerchair, it’s common to hear about warranty and insurance. While both provide protection, they cover very different things. Here’s a simple guide to help you understand the difference and make sure you’re fully protected.

 

 

🔧 What is a Warranty?

A warranty is provided by the manufacturer (or us as the retailer) and covers faults with the scooter that are not your fault.


Warranty covers:

  • Defective parts (e.g. motor, controller, charger)

  • Manufacturing faults


Warranty does not cover:

  • Accidental damage (e.g. broken parts from hitting a curb or wall)

  • Theft or loss

  • Wear and tear (e.g. tyres, batteries after normal use)

  • Misuse of the scooter

 

✅ Think of it as protection against something that goes wrong because of the scooter itself.

 

🛡 What is Insurance?

Insurance is an optional policy you purchase (like car insurance) to protect you against unexpected events.

Insurance covers (depending on policy):

  • Accidental damage (e.g. broken parts from hitting a curb or wall)

  • Theft or vandalism

  • Third-party liability (if you hit someone or something)

  • Personal accident cover (some policies include this)

 

❌ Insurance does not usually cover manufacturing faults — that’s what the warranty is for.

 

 

🚙 Breakdown Recovery

Some insurance policies allow you to add Breakdown Recovery, giving you peace of mind that if your scooter stops working while you’re out, you can get help getting home safely.

 

 

⚖️ Warranty vs Insurance — Side by Side

Warranty

Insurance

Who provides it?

Manufacturer/Retailer

Insurance company

Covers faults?

✅ Yes

❌ No

Covers accidents?

❌ No

✅ Yes

Covers theft?

❌ No

✅ Yes

Covers wear & tear?

❌ No

❌ No

Included or paid for?

Included with purchase

Extra cost per year

 

 

✅ Do You Need Both?

Yes – they work together:

  • Warranty protects you if something goes wrong with the scooter itself.

  • Insurance protects you against accidents, theft, and liability.

 

 

🚀 Our Recommendation

Every new scooter comes with a warranty.

For extra peace of mind, we also include 1 month of free insurance on all scooters we sell.

We still recommend adding a full insurance policy, especially if you’ll be using your scooter daily or in public spaces.

👉 Contact us today to discuss insurance options starting from just £96 per year.