Stairlift Insurance: What Is Covered and What You Actually Need
Stairlift insurance is often misunderstood. Many people assume stairlifts need specialist insurance, while others assume they are automatically covered without checking.
This guide explains how stairlift insurance works in the UK, what is usually covered, what is not, and when additional cover may be worth considering.
Last Updated on January 3, 2026
Stairlift insurance refers to cover for damage, theft, or liability relating to a stairlift, usually provided through a home insurance policy rather than a separate specialist policy.
In most UK homes, stairlifts are covered under buildings or contents insurance once declared.
"For over 45 years Fish have been providing specialist insurance products to protect people in the UK within the disability, mobility, and care sectors. If you complete the quote request form below, one of their specialist mobility team will call you to provide a quote at the time of your choice"
According to Stairlift Guru
According to Stairlift Guru’s review of UK insurance practices, most stairlifts are covered under standard home insurance. Still, issues arise when stairlifts are not declared or when owners assume that servicing contracts and insurance are the same.
Clarifying this early prevents disputes later.
Is a Stairlift Covered by Home Insurance?
In many cases, yes.
Coverage depends on how the insurer classifies the stairlift.
Buildings insurance
A stairlift is often treated as a permanent fixture, so it is covered by building insurance once installed.
Contents insurance
Some insurers classify stairlifts as contents, particularly if they are removable or rented.
The safest approach is always to inform your insurer once a stairlift is installed.
Do You Need Specialist Stairlift Insurance?
In most cases, no.
You usually do not need specialist insurance if:
- The stairlift is declared to your home insurer
- The policy confirms it is covered
- The stairlift is for personal domestic use
Specialist cover may be considered if:
- The stairlift is of very high value
- The property is rented out
- The stairlift is used in a commercial or shared setting
What Stairlift Insurance Typically Covers
Standard insurance may cover:
- Accidental damage
- Fire or flood damage
- Theft or vandalism (rare but possible)
- Third-party liability if someone is injured
It usually does not cover:
- Mechanical breakdown
- Wear and tear
- Battery replacement
- Servicing and maintenance
Those areas are typically covered under service contracts, not insurance.
Insurance vs Warranty vs Servicing
These three are often confused.
| Cover type | What it covers |
| Insurance | Damage, theft, liability |
| Warranty | Manufacturing faults |
| Servicing | Maintenance and repairs |
For cost context, see:
- Warranty and extended cover costs
https://stairliftguru.co.uk/stairlift-prices/warranty-and-extended-cover-costs/ - Stairlift servicing costs
https://stairliftguru.co.uk/stairlift-prices/stairlift-servicing-costs/
Does Stairlift Insurance Increase Home Insurance Premiums?
Usually, the increase is small or non-existent.
Many insurers:
- Note the stairlift as an adaptation
- Do not apply a significant premium increase
- May even view it as a safety improvement
However, failing to declare the stairlift can cause issues if a claim is made.
What About Rented Stairlifts?
If the stairlift is rented:
- The rental company usually insures the equipment itself
- You may still need liability cover under your home insurance
Always check what the rental agreement includes before assuming cover is in place.
Stairlift Insurance When Selling a House
If a property with a stairlift is being sold:
- The stairlift is usually removed before completion
- Insurance responsibility ends once removal takes place
If the stairlift is staying temporarily, confirm the cover remains valid.
Removal options are explained here:
https://stairliftguru.co.uk/stairlift-removal/
Common Stairlift Insurance Mistakes
These issues come up frequently:
- Not declaring the stairlift to the insurer
- Assuming servicing covers accidental damage
- Confusing warranty with insurance
- Forgetting to update insurance after removal
Most problems can be resolved with a single phone call to the insurer.
Frequently Asked Questions
Do stairlifts need to be insured separately?
Usually no. Most stairlifts are covered under standard home insurance once declared.
Is stairlift insurance expensive?
No. Any increase in home insurance premiums is usually small.
Does insurance cover stairlift breakdowns?
No. Breakdowns are typically covered by warranties or service contracts, not by insurance.
What if someone is injured using the stairlift?
Liability cover is usually included in home insurance policies.
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