It is now possible to take a warranty (extended) and accidental damage insurance to cover home mobility products which include adjustable beds, riser recliner chairs and stair lifts. Therefore in the event of an accidental damage including mechanical or electrical breakdown, protection will be offered. Such warranties and insurance can be taken out on both new and used products. However before taking out a warranty it is worth considering that a new product may be covered by the manufacturer’s warranty.

Periods usually cover 12, 24, 36 or 48 months for new products. For used products cover can usually be taken three months after the product have been purchased and will last for 9 months. This is usually to ensure that used products are reliable before insurance and warranties commence. Upon renewal a 12 month period can be taken.

There are two main types of warranties available these are:

• On Site (OS) Warranty: This warranty is the most convenience where repairs to the mobility product are carried out at you home. There may be exceptional cases were the product cannot be repaired at the home and will need to be taken away for full repairs.

• Return to Base (RTB) Warranty: This warranty will result in the product being taken to a workshop for repairs. For new product be wary of this warranty as often you may be requested to return the product in it original packaging which may not always be possible.

Before taking any insurance or warranty cover be sure to read all small print, and ask any questions you may have, especially with reference to the type of warranty being offered. It is also possible to take insurance to cover mobility scooters. There are two aspects of this type of insurance. First, to cover the scooter itself for damage, secondly to cover injuries or damage to a third party or the third parties property.

Your new mobility product will help you enjoy much greater independence and greatly improve your quality of life. You’ll wonder how you lived without it. So what if you had to? What if it was damaged or stolen? If you have a mobility scooter what if you accidentally injured someone? How would you meet any possible legal costs and claims?

Insuring accessible vehicles is somewhat like buying insurance for a traditional vehicle. There are two major things you want to be sure of as you shop for wheelchair accessible vehicle or handicap van insurance:

• Know what kind of accessible vehicle you have.

• Make sure your agent or insurance company knows what you have and what it cost.

Modifications are not the only factors that influence premiums. Extensive range of mobility protection policies includes great value insurance for mobility scooters and powered wheelchairs costs, offering superb cover which includes:

• Accidental damage, including fire and flood

• Theft and vandalism

• Loss or other liability claims from third parties

• Use by any driver

• New-for-old replacement

• Worldwide protection

• Extended warranty options.

Contact professionals to help you about your mobility product and its warranty and insurance.