Stairlift Insurance Guide
Stairlift insurance does not come as standard when you buy a stairlift from a stairlift company. This is purchased separately, often through a third-party company, and covers accidental damage, vandalism, and theft of the stairlift.
Stairlifts can be expensive purchases, so it is in the users best interest to keep them covered. Having insurance on the stairlift also gives them peace of mind that if something does happen, they will sort their mobility needs without the worry of having to buy a new stairlift.
Stairlift Insurance Key Points
- Will Insurance Cover Stairlifts? Most new stairlifts have a manufacturer warranty that covers their breakdown and repairs.
- Your home insurance plan might include additional protection against stairlift damage or vandalism.
- Check your service contract to see whether you have extended warranties.
- Check with your insurance to determine how many new stairlifts will be installed on the house and whether your building insurance will provide the coverage.
- Always read the small print on your insurance policies.
- Getting a stairlift installed can be quick and easy.
- Your service visit needs to be arranged.
- As with most items in residence, it is worth buying insurance for the curved or straight stairlifts to add additional protection in the event of damage or the necessity of repair.
- Stairlift insurance cover – An insurance provider offers stairlift insurance cover.
- Stairlift warranty cover – The stairlift cover covers your stairlift if it breaks.
"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"
Will Insurance Cover Stairlifts?
Most new stairlifts have a manufacturer warranty that covers their breakdown and repairs. All refurbished stairs come with a twelve-month guarantee. Some warranties will be extended for extra fees as well. Your home insurance plan might include additional protection against stairlift damage or vandalism. Check with your insurance to determine how many new stairlifts will be installed on the house and whether your building insurance will provide the coverage.
Can I Get Stairlift Insurance?
Most stairlifts are covered under a 2-year guarantee as standard. This covers the costs for repair parts and labour whilst also guaranteeing the safety of your home if a failure occurs. This is known as the stairlift warranty.
Does House Insurance Cover Stairlifts?
Unfortunately, most standard insurance plans in the UK cannot pay for the purchase/installation of stairlifts. The cost of stairlifts is typically about £1,500-£5,500, depending upon the manufacture and model of the stairlift.
Are Stairlift Warranty And Stairlift Instance The Same Thing?
No, they are not the same thing. Your warranty can cover stairlift repair, stairlift servicing, broken stairlift batteries or power supply, refitting costs etc. However, the stairlift insurance policy will cover things to do with theft, accidental damage etc. The best way to find out what you need is to speak directly to an expert and explain what type of stairlift you have and what you want to protect it from.
There are different comprehensive levels, from offering replacement parts to full cover. Most suppliers will explain this to you when you buy a stair lift.
Stairlift Warranty Compared Stairlift Insurance
A stairlift warranty differs from stairlift insurance because the company offers the stairlift, whereas a third party provides stairlift insurance. Also, the warranty does not tend to cover theft and vandalism of the stairlift.
Stairlift Insurance Cover
An insurance provider offers stairlift insurance cover. The insurance policy is there to protect you from things like acts of God, theft, vandalism and much more. This gives you peace of mind because stairlifts are not cheap.
Stairlift Warranty Cover
The stairlift warranty cover covers your stairlift if it breaks. A warranty should include a maintenance agreement. This can consist of stairlift servicing for the annual service, covering the cost of broken parts to the motor gearbox, replacement battery or electrical breakdown.
Is Insurance Included In Your Extended Warranty
Insurance is not included in your extended warranty, this is entirely separate, and you will have to purchase such insurance through a third party company.
Summary Of Stairlift Insurance
Most new stairlifts have a manufacturer warranty that covers their breakdown and repairs. Your home insurance plan might include additional protection against stairlift damage or vandalism. Insurance is not included in your extended warranty; you will have to purchase third party insurance through a third party.
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