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.
Last Updated on January 24, 2022
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.
Table of contents
- Stairlift Insurance Key Points
- Will Insurance Cover Stairlifts?
- Can I Get Stairlift Insurance?
- Does House Insurance Cover Stairlifts?
- Stairlift Warranty Compared Stairlift Insurance
- Stairlift Insurance Cover
- Stairlift Warranty Cover
- Is Insurance Included In Your Extended Warranty
- Summary Of Stairlift Insurance
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.
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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.
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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