Current legislations state that there is no requirement for a user of a mobility scooter to hold adequate insurance, unlike car users who are legally required to hold adequate insurance. However, users should give careful consideration to taking out at least third party insurance to cover any potential claims that could be made should the user cause injury of damage to persons or property. As these claims can often run to ten of thousands of pounds if not more, plus any legal costs which are incurred. Consideration should also be given to taking our adequate insurance to cover the scooter itself. A new scooter can cost hundreds of pounds and insuring it against damage, theft etc could be a financial sound decision.

The DVLA make the following comments with reference to the insurance:

"Although it is not a legal requirement, it is strongly advised to have insurance. Suitable schemes are not too expensive and are available to cover your personal safety, other people's safety and the value of the vehicle."

As discussed previously the insurance can be divided into two areas; The Scooter itself and Third parties (people and property)

Insuring the Scooter

The cover for the scooter usually protects you against the cost of repairs to, or replacement of the mobility product in the event of an accident. Some policies also cover or will pay towards the recovery costs of getting you and your mobility product home following an accident or breakdown. Users should check to see the level of cover being offered on the policy.

Third Party Insurance

If you accidentally hit anyone or anyone's property and you are sued for negligence the insurance should pay for your defence and the resultant damages if you are found to be negligent. Such claims can be very expensive and insurance to cover legal costs and law suites would be very worth while. Such situation could include hitting a pedestrian, crashing onto a car, or causing an accident through negligent driving.



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With so many different types of insurance now available, it can be difficult for some family's to know which coverage they must have, versus which ones they should have.

Here are a few tips on choosing the right insurances for you and your family:

-Think about your needs.

-Consider your budget.

-Think about future changes to your family.

-Consider what would happen to your family if you didn't have a certain type of insurance.

Once you've considered what your family's needs are, it'll be easier to decide which types of insurance are necessary. Here are a few of the most common insurance policies today's average consumer should consider:

Health Insurance:

No one can dispute the need for good quality health insurance these days, especially if you have children. The most common types of health insurance these days include:

HMO Plans - the most restrictive type of health coverage, HMO's are also the cheapest for both the employer and the employee. These plans require participants to see only approved physicians. Specialists may be seen with a referral from your Primary Care Giver. Co-pays are relatively low, with virtually no deductibles on basic services.

PPO Plans - is a combination plan, which works like an HMO, but allows patients to see any physicians they choose whether they participate in the plan or not, at an increased fee. Many people like the flexibility and options with this type of plan, however premiums are usually much higher and deductibles can reach 20% when seeing an out-of-network provider.

Indemnity Plans - work very much like old-fashioned insurance policies. A patient sees any doctor they choose without a referral or pre-approval, but is responsible for 20% of the fee. Clearly the most versatile type of policy, it is also the most expensive, both in the case of premiums and deductibles.

Automobile Insurance:

If you own a car, you are legally bound to cover every driver in your household with collision and liability insurance.

Disability Insurance:

How would your family pay the bills if you were taken ill or injured and were unable to work for an extended period of time? Many employers offer short and/or long term disability insurance policies, but many do not. In the event that you are left unable to work due to medical circumstances, short term disability coverage will pay you anywhere from 60-100% of your current salary (depending on the policy), beginning 30-60 days after your injury, for a period of 3-6 months.

Long-term disability insurance is just that - insurance for longer illnesses and injuries. Once your short-term disability coverage expires, long-term disability benefits will enact until you return to work. This is not the same as government disability benefits that some people with permanent disabilities may qualify for. Be sure t check with your employer to see if they offer these types of benefits. If not, you may want to consider purchasing your own policy, especially if you are a sole breadwinner or work at a high-risk job.

Dental/Eye Coverage:

While dental and eye coverage used to be a normal benefit for most fulltime employees, this is no longer the case, leaving some employees solely responsible for taking care of their family's dental and eye costs. These types of policies usually cap at a certain amount and only offer coverage on certain procedures. Still, they can be beneficial to those without enough income to handle these unexpected costs.

Homeowner's/Renter's Insurance:

If you own your own home, your mortgage company required you to carry enough insurance to cover the cost of the mortgage should your house be destroyed in a fire. But, what id you rent? Your landlord has coverage on the building, but you are responsible for covering your belongings. Fairly inexpensive, renter's insurance covers the cost to replace your furniture, clothes, appliances, personal items and displacement costs in the event of an apartment fire.

Life Insurance:

It's not always easy to consider your own mortality, or that of your spouse or children. But, accidents and illnesses do happen and people die. Life insurance for adults is meant to help your family continue to pay the bills in the event of your death and the loss of your income. Insurance for children is meant mainly to cover funeral costs and is a good idea for lower income families who would be financially burdened by these costs in the event of a tragedy.

As you can see, there are many different types of insurance to consider. Check with your agent to see which policies are right for you.



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Insuring your jewelry with a policy of its own is very much worthwhile considering that the coverage is quite broad and the premiums low. Even though homeowners insurance is supposed to have a jewelry insurance component built in, it is often found that covered jewelry is valued very low. When a claim does need to be made, a separate insurance policy yields better coverage.

Why insuring your jewelry with a separate policy is beneficial

A separate jewelry insurance policy will list out each of the items and describe them minutely, mentioning the value of each individual piece. If you happen to lose any item or end up with damage due to repair, insuring your jewelry will enable you to have it replaced or repaired with the help of the descriptive list.

The Procedure Involved For Insuring Your Jewelry

Usually state laws govern the insurance industry and even mandate the type of language to be used in the contracts. In some states there is more flexibility where insurance companies can word their own policies. It is always better get in touch with an agent in your area to know the right procedure.

Depending on the insurance company, there will be a minimum annual premium applicable. It is usually advisable to have your jewelry evaluated by a professional to avoid errors in judgment both at the time of going in for a new policy as well as a renewal. You will need to find out from your insurance agent what the procedure for a claim is. In case you lose your jewelry, you would want to know whether the appraised value is paid to you or whether there will be deductions. It is better to make a note of whom you can approach for your claim. While insuring your jewelry, clarify special clauses and find out what happens if you lose one item from a set of two and whether the insurance policy will cover the entire set, if specified in the policy.

As far as premiums are concerned this can vary depending on where you live.
Most companies will charge based on the value of the jewelry, in the sense that the more expensive, the higher the premium. It is possible to negotiate the best deal by going in for insuring your jewelry with the same insurance company where your home or car is insured.

How claims are settled

There is one thing you ought to know about insurance companies. The money paid to the claimant will always be the amount it would cost them to replace the item, and not the insured value. If a specific piece of jewelry was appraised at a particular amount, the compensation will only be the cost of the replacement, which could be less than the insured value. If your jewelry is damaged, the insurance company will offer to repair it. If you lose it, they will make a replacement with a similar quality item. The options for settlement will also differ from company to company depending on what is specified in the policy.

Do not just take it for granted that you will simply be paid the appraised value should you make a claim. The appraised value is only the maximum amount that the insurance company is liable for, and not necessarily what you will receive. Depreciation also comes into the picture over time and the actual cash value that the insurance companies talk about will reflect the cost of replacement after the depreciation is deducted. The actual cash value depends on the prevailing rates of gold, silver and diamonds and your claim settlement could be very different from what you foretell.



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A solicitor seeking protection under professional indemnity insurance is not something which most of us thought about being necessary until recent years. As the very name suggests, a solicitor is adept with his profession, with various laws and legislations that pertains to his area of expertise. In fact, the very status of a solicitor itself is a sure sign of authenticity and height of meticulousness, and he being charged for failure to deliver up to his standards is something which we never believed could be a possibility.

The situation is quite different nowadays. The overall industry scenario has become much volatile, making the jobs of solicitors tougher. A minute and unaccounted step has a good probability to leading to nasty claim against a solicitor, amounting to severe financial loss, loss of reputation, or both, and these are not uncommon. Hence, professional indemnity insurance is a necessity for solicitors even.

Professional indemnity insurance policies for solicitors are bit different from typical professional indemnity covers available for other professionals. Professional indemnity covers for solicitors are widely drawn. It should be noted that the type of service offered by solicitors are different in nature from other professionals and so are the types of claims that arise against solicitors. A typical policy covers civil liability arising in the course of work carried out in the course of private legal practice; however, there is some exclusion. Professional indemnity insurance for solicitors does not usually cover claims for negligence or breach of contract, but for breach of trust, breach of fiduciary duty, perceived dishonesty, etc. These are the areas where professional indemnity insurance policy that is applicable to other professionals differs from a professional indemnity cover for solicitors.

In most instances, a policy breach may result in claims going unpaid. In such situations, other professionals have policies that contain provisions limiting the rights of the insurer in cases of policy non-compliance; however, professional indemnity insurance policies for solicitors are in comparison more generous in nature of the cover provided.

It is very important that solicitors take note that while the cover may be widely drawn, it may not include any activity that typically does not come under the areas covered by a solicitor under normal circumstances. If any solicitor engages in any activity that falls outside the periphery of solicitation, it should be immaculate put across the insurance agency, who, in turn, will make sure that the offered policy covers the applicant from any claim.



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