A mishap need not touch your savings
A pedestrian who falls or a broken shop window can end in a substantial claim. The policy responds on your behalf, with no excess, up to the agreed limit.
Individuals
Wheelchair insurance
Your independence, with backing: for the damage you might cause with your wheelchair and for the damage others might cause you.
Definition
What is wheelchair insurance
It is a third-party liability policy for people who get around in a manual or electric wheelchair, on a mobility scooter or on a handbike. It covers injury and damage caused to others while using it, civil and criminal defence if a claim is made, and claims for damage that someone else causes to the wheelchair user or to the wheelchair itself. The law does not require it, but whoever causes damage is liable for it all the same.
Advantages
Advantages of wheelchair insurance
If you are the one harmed, you do not claim alone
When someone else causes the damage, to you or to your wheelchair, pursuing the claim is part of the cover.
All your devices, in one policy
The everyday manual wheelchair, the electric one, the mobility scooter or the weekend handbike can all go on the same policy.
Designed with specialists
A programme designed with Believe Consultors, insurance specialists for the social and non-profit sector, who coordinate support in the event of a claim.
Profile
Who it is for
Manual wheelchair user
For everyday life on the street, on public transport, in shops and in other people's buildings.
Electric wheelchair or mobility scooter user
More weight and more speed: any contact with a pedestrian or vehicle has greater consequences.
Handbike user
For leisure and sport, with the wheelchair to which it is attached included in the same policy.
Scope
Main covers of wheelchair insurance
- Third-party liability for injury and damage you cause to others with your wheelchair, mobility scooter or handbike
- Civil legal defence against a claim for damages
- Criminal defence if the accident leads to proceedings
- Claims for damages caused to you or your wheelchair by another person
- No excess
- Manual and electric wheelchairs, mobility scooters and handbikes, with one or several wheelchairs on the same policy
The JORI method
How we work
Our specialists' experience turns every risk into knowledge, and that knowledge into a solution designed for you and your family.
Risk analysis
Every client faces a unique situation. We analyse each client's specific risks to detect vulnerabilities, assess security measures and propose improvements that strengthen the protection of their assets.
Programme design
All our programmes are designed to integrate every cover needed and to bring peace of mind to those who trust us.
Selection across the insurance market
We carefully select insurers and design exclusive insurance programmes, adapted to each client's particular circumstances, with a fully tailor-made approach.
Specialised claims management
Claims are the most vulnerable moment for a client. That is why it is so important to have specialists who provide support throughout the process.
Six generations and more than 130 years devoted to insurance.
Frequent doubts
Most frequently asked questions about wheelchair insurance
Is it compulsory to insure a wheelchair?
No. Spain's Law 5/2025, which reformed motor insurance, leaves wheelchairs and mobility devices intended exclusively for people with disabilities or reduced mobility outside compulsory insurance.
That does not exempt you from liability: if your wheelchair causes a pedestrian to fall, or you hit a parked car or damage a door, a lift or a shop window, you can be held liable for that damage.
Doesn't my home insurance already cover me?
It might. Some home policies cover damage you cause to others outside the home, but that does not mean they always cover the use of the wheelchair, mobility scooter or handbike.
It's worth checking four things: if the device is included, if the cover extends outside the home, if it covers damage to people and property, and up to what limit it pays. Before taking out a policy, we can review it with you.
What devices can be insured?
Manual and electric wheelchairs, mobility scooters and handbikes. You can insure a single wheelchair or several under the same policy.
Mobility scooters and handbikes carry their own premium, because more weight and more speed mean more risk. If you insure a handbike, the wheelchair it attaches to is included.
What if someone else causes the damage?
The policy includes claiming for damage that someone else causes to you or to your wheelchair, for example if you are hit by a vehicle.
It helps a great deal to take the details of the person or vehicle responsible and of any witnesses, and to keep medical reports, invoices and photographs. If you already had a disability before the accident, explain what has changed since: the Spanish road traffic compensation scale takes into account after-effects that worsen a pre-existing condition and the need for help from another person.
What should I do if I cause an accident with my wheelchair?
Take the details of the affected person and any witnesses, take photographs of the location and the damage, and inform us as soon as possible. Do not admit fault or agree to any payment on your own: the claim is handled with the insurer, which also assumes the defence if necessary.
Does it cover breakdown or theft of the wheelchair?
No. It is third-party liability insurance: it responds for the damage you cause to others and helps you claim for the damage others cause to you. Breakdown, wear and tear or theft of the wheelchair fall outside these covers; if you would like them protected, we will look into it separately.
Wheelchairs
