Third-party liability for damages you may cause to others, civil and criminal defence, and claims for damages that a third party causes to you or your device.
This insurance is aimed at people who use manual or electric wheelchairs, mobility scooters, or handbikes. It covers third-party liability for personal or material damage you may cause to third parties during their use, within the limits and conditions of the policy.
It also includes civil and criminal defence, and claims against the third party responsible for injuries or damage caused to you or your device. This claim is different from cover for damage to the wheelchair itself.
Cover for the compensation you are liable to pay for third-party damages arising from the use of the insured device, with a third-party liability limit of €1,000,000 and no excess, according to the policy conditions.
Includes civil and criminal defence for events covered by the insurance, and procedures to claim damages caused to you or your device by another person, with the scope provided in the policy.
You can take out a policy for one or several wheelchairs. There are also options for mobility scooters and handbikes; in the case of the handbike, the policy includes the wheelchair to which it is attached.
Cadira Segura is an initiative created and coordinated by Believe Consultors, with JORI as the insurance broker. We help you understand the covers and the options for taking it out. Believe Consultors coordinates support in the event of a claim.
For those seeking third-party liability cover, defence, and damage claims related to the use of their wheelchair, with options to insure one or several.
For those who use a mobility scooter and want these covers. We review the device's characteristics to confirm the option that applies.
For those who use a handbike and seek to insure the third-party liability associated with its use, with defence and damage claims. We inform you about the inclusion of the wheelchair it attaches to and the applicable conditions.
The third-party liability cover is offered with no excess. The covers are subject to the limits, sub-limits, exclusions, and other conditions of the policy.
We help you understand the scope of the insurance and choose the option that suits your devices.
We review which devices you use and what you need to insure to identify the right option.
If you have another policy, we check with you whether it includes the use of the device and what limits or exclusions apply.
Before you take out the insurance, we inform you about the covers, their limits, the premium, and the start date of the insurance.
We tell you how to report it and what documentation to provide, in coordination with Believe Consultors and the insurer.
Six generations and more than 130 years devoted to insurance.
Wheelchairs are excluded from compulsory motor insurance. The regulations also exclude certain vehicles and mobility support elements intended exclusively for people with disabilities or reduced mobility. For scooters and handbikes, it is advisable to check the model's characteristics.
The absence of an insurance obligation does not eliminate the responsibility that may arise for damage caused to other people or their property.
Some home policies include third-party liability outside the home, but their scope varies. You need to check whether they cover the use of your wheelchair, mobility scooter, or handbike, with what limit and what exclusions. It is also advisable to check whether they include claims for damage caused to you by a third party. We can review it with you before you take out a policy.
Manual and electric wheelchairs, mobility scooters and handbikes. There are options for one, two or three wheelchairs. Scooters and handbikes have a specific rate, with options to add wheelchairs; in the case of the handbike, the wheelchair to which it is attached is already included. Check the configuration that corresponds to your devices.
The damage claim cover allows you to claim from the responsible third party for injuries, damage to the device and other losses covered in the policy. Compensation is claimed from the responsible party or their insurer; this cover does not equate to automatic compensation from your own insurance.
Collect the details of the people involved and witnesses, and keep photographs, invoices and relevant reports. Report the incident as soon as possible to receive instructions on processing. Before making payment commitments or reaching an agreement, check with the team handling the claim.
It does not include own damage cover to repair or replace the wheelchair for these reasons. The insurance focuses on third-party liability, defence and claims against the responsible third party for the damages they have caused you, according to the policy conditions.
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