When you’re thinking of having a stairlift installed, you might wonder if you need to buy additional stairlift insurance.
Stairlifts are a great value investment if you’re finding it harder to live independently because of your stairs. But should anything go wrong with your stairlift and you’ve not got the right protection, it will likely end up costing you even more to replace or fix it. So, how much does stairlift insurance cost, and is it worth it?
With the right stairlift warranty cover and insurance, you’ll be protected against the expense of replacing your stairlift outright or paying for an emergency breakdown call-out. Although they’re easy to operate for users, stairlifts are pretty complicated on the inside.
Therefore, having the right insurance can save you from significant unexpected expenses and provide peace of mind knowing that your mobility aid is covered.
That’s why you should always use a properly trained engineer to carry out any repairs. You should never attempt to repair your stairlift yourself just to keep costs down. It’s for your own safety and the safety of others.
Why is Stairlift Insurance Important?
Stairlifts are a highly important piece of equipment, providing many benefits to individuals with mobility issues. These devices help restore confidence and independence by allowing individuals to safely navigate their homes. Therefore, having these devices insured is crucial and here are some key reasons why:
Protection Against Unexpected Costs
Investing in a stairlift can be significant, often costing many people thousands of pounds. Repairing or replacing a damaged stairlift can also be costly financially, making having that extra cover even more important.
Stairlift insurance will often cover these costs meaning that you don’t have to worry about any future financial implications in the near future.
Peace of Mind
Ensuring that your stairlift is insured can help provide reassurance and peace of mind when using the device. If something does go wrong with your stairlift, you can feel confident as this will be covered by the stairlift insurance. This is particularly important for people who rely on their stairlift daily for helping them with their mobility.
Maintenance and Repairs
Some insurance policies cover regular maintenance and repair costs. Regular maintenance is crucial for the longevity and safe operation of your stairlift. An insurance policy that includes maintenance can help ensure that your stairlift remains in good working condition.
How Much Does Stairlift Insurance Cost?
The cost of stairlift insurance can vary based on different factors meaning that there is no exact cost. On average, stairlift insurance can range from £100 to £300 per year. Here are some of the factors to consider that may impact the cost of stairlift insurance:
- Type of Coverage: Basic coverage that protects against damage and theft will be less expensive than comprehensive coverage that includes maintenance and repairs.
- Stairlift Value: More expensive or complex stairlifts will often cost more to insure.
- Provider: Different companies offer different rates and some can be more expensive than others.
- Location: Insurance costs can vary by location due to different risk conditions such as weather conditions.
- Usage: The amount of times the stairlift is used might impact insurance costs as regular use might require more frequent maintenance.
- Condition of the Stairlift: You may find that newer models are cheaper to insure compared to older stairlifts as they may require more frequent repairs.
At Halton Stairlifts, we have a team who are highly passionate about providing you with affordable stairlift prices. We can’t emphasise enough how beneficial having your stairlift ensured can be for you financially.
We provide the option of an extended warranty to all of our customers at the initial installation time. There is no pressure on you to take this cover however, having that extra cover can put your mind at ease and feel confident when using our stairlifts daily.
Will Insurance Cover a Stairlift?
Most new stairlifts are covered for breakdown and repair by a manufacturer or supplier warranty.
At Halton Stairlifts, every new and reconditioned stairlift comes with a twelve-month warranty as standard. Most warranties can be extended for an additional fee too. Halton Stairlifts offer a great value extended stairlift warranty option that offers extra peace of mind for longer.
If you want further protection against stairlift theft or accidental damage, your home insurance policy may offer coverage. Check with your insurer to see if a newly installed stairlift is considered a fixture of the property and if your building’s insurance should cover it.
Once your stairlift is fitted, let your insurance provider know so they can update your policy to make sure you have the right coverage if anything goes wrong. You may also be able to get specialist cover for an adapted home if you have multiple disability aids to help you carry out everyday activities.
Contact Halton Stairlifts
If you’d like to find out more about stairlift insurance or Halton Stairlifts warranty cover, give us a call today. Speak to a member of our expert team on 0800 644 7766. They’ll also be able to guide you through every step of the stairlift buying process, from important considerations when buying a stairlift to stairlift repairs and servicing.
While you’re on the line, why not ask us for a free no-obligation quote on a new or reconditioned model in our unbeatable range? We’re happy to help in any way we can.
Neil is the founder of Halton Stairlifts. He has years of experience installing stairlifts across the UK. With an eagerness to help those with mobility issues get up the stairs, Neil understands how important it is for a seamless and straightforward approach to installing stairlifts to help those in need quickly.