Wheelchair Insurance

Wheelchair insurance Australia

Finding wheelchair insurance in Australia can be daunting, we get it.

You want to make the right decision because your wheels are your independence.

As a car and disability equipment insurance specialist, Blue Badge Insurance has provided wheelchair insurance in Australia since 2014. Our comprehensive wheelchair insurance provides peace of mind that if you have an accident we’ll get it repaired so you can get moving again ASAP. And we’ll even cover the cost of getting you and your damaged wheelchair home in the first place.

We also offer travel insurance for wheelchair users, so your wheels are protected whether you’re 1km or 10,000km away from home. Read more on all the benefits of our wheelchair insurance in Australia now.



Blue Badge Insurance

The Basics

(Cover you expect from wheelchair insurance)

Repair or replacement of damaged wheelchair

Loss or damage caused by theft, vandalism, fire or flood*

New for old replacement for wheelchairs up to 2 years old

Insure wheelchairs for up to $50,000 based on market value

Blue Badge Insurance

The Blue Badge Difference

(What makes us different)

Third party property or personal injury cover^

Overseas~ cover for accidental damage and third party property/personal injury for 21 days (can be extended longer)†

Costs incurred to get you and your wheelchair home following an accident

Manual Wheelchair Accessories

Products We Insureᵒ:

wheelchair insurance in Australia

Power Wheels

wheelchair insurance in Australia

Rear Power Assist

wheelchair insurance in Australia

Add on Hand Bike

wheelchair insurance in Australia

Third Wheels

Wheelchair Insurance in Australia
Claims Specialists

Our experienced claims team has been managing claims for wheelchair insurance in Australia since 2014. With a national network of mobility equipment referrers and dealers we can quickly get your wheelchair repaired and get you back out and about.



Sandra was most efficient in all aspects of my claim; from lodgement of my claim and processing the repair quote submitted by the repairer which was approved the next day!!!
I tried getting a few insurers to quote and underwrite a van converted for disability for a family member but to no avail as it was difficult for them and then through word of mouth contacted Blue Badge Insurance Australia. Briony not only was exceptional in her consultation and communication but made the process so much easier, fast and a pleasure to deal with plus a greater saving going with Blue Badge. Thanks and keep up the good work!
WOW! Such an incredible experience...Thank you so much for completing my car insurance policy with Blue Badge... Jenny was amazing and it was a pleasure doing business with you. I very much appreciate Jenny's great understanding, her professionalism, flexibility and her lovely and compassionate words of encouragements. I have saved over $170 in comparison to my previous Insurer's fee. I will gladly recommend Blue Badge Insurance Australia to all of my friends and will share your web site and your FB profile with all my FB friends...Thanks again, you made my day!!!
Wow - saved over $800 on our two cars - lady I dealt with on the phone was amazing - saved us even more than what I did on the website.
Highly recommend Blue Badge. Great phone service very helpful, friendly, and straight forward. Affordable insurance deals including roadside assistance. Quick set up, policy details and sign-up information sent to you in minutes. Most of all they will cover modified vehicles with good quality insurance. Thank you Blue Badge 🙂
Nambucca Heads
Just recently insured my car with Blue Badge Insurance and the customer service officer was fantastic.I was previously with another insurance company who asked a lot of questions which Blue Badge Insurance didn't. I would definitely recommend them to anyone who is thinking about insurance with them.
Gold Coast
I have to say I will never move on from Blue Badge. My insurance had just expired but I didn’t realise it till they called me I spoke to a gorgeous lady by the name of Jenny who took down my financial issues right now and called me later stating they had found another cover with the same coverage as before but managed to make it cheaper for me. I’m now going to pay monthly till I get my super released to me then I will pay the yearly fee again. I honestly thank Jenny and Blue Badge I might have found myself in financial trouble but they were able to work it out for me so I can keep up my insurance.
Gold Coast
Pleasant customer service, cheaper than Woolworths or Coles, with a better return for your money, policy, easy monthly payment, I highly recommend Blue Badge for your next insurance.
East Gosford


Blue Badge Insurance has partnered with the State-Wide Equipment Program in Victoria to offer insurance to protect their mobility scooter and wheelchair clients against accidental loss and damage, third party property damage and third party personal injury – for one low annual price.

wheelchair insurance in Australia

Wheelchair Insurance from


mobility scooter insurance Australia

Mobility Scooter Insurance from


insurance for wheelchair accessible vehicles

Has your car been converted?

If your car has been converted to accommodate a driver or passenger with disability, click below to see our car insurance policies.

Blue Badge Insurance Window Sticker





While wheelchair insurance in Australia is not compulsory, most authorities strongly advise that people take out insurance to protect their personal safety, the safety of others, the value of their wheelchair and cover themselves against the significant out-of-pocket costs associated with legal liability.

It depends on your policy – not all Home and Contents policies cover equipment like wheelchairs. It’s also important to remember that Home and Contents policies may not cover your wheelchair when it’s used outside of your home, leaving you exposed while you’re out and about.

No. Our policy covers accidental damage, theft and legal liability to protect you and your wheelchair if you’re involved in an incident that causes damage to your wheelchair or if it’s stolen. We also protect you against damages and legal costs if you’re involved in an incident with a third party. The policy does not cover break downs or general wear and tear.

Unfortunately wheelchair theft is on the rise. Kids like to take them on joyrides and thieves have realised the value of this equipment and are now targeting wheelchairs for resale. 

This is why we’ve worked with a leading lock manufacturer to develop the Loop Lock – an easy to use lock that will provide greater protection for your mobility equipment when you’re out and about. Find out more here

Many of our customers have been able to claim back all or a portion of their insurance premium from various funding bodies, including the National Disability Insurance Scheme (NDIS). While such approvals are assessed on a case-by-case basis (it’s not guaranteed), we will assist you however we can to facilitate funding of the insurance costs.

Yes. Our wheelchair insurance policy automatically covers your wheelchair for accidental damage and third party liability for the first 21 days of overseas travel (third party liability is excluded in USA and Canada). You can extend the period of cover for an additional fee if you’re going away for a longer period, by calling us on 1300 304 802.

If you need to make a wheelchair insurance claim, we recommend you call us as soon as possible on 1300 304 802. Our friendly staff will ask you for the full details of the incident and will help manage your claim until it’s been settled.

Yes, monthly instalments are available through a direct debit with Blue Badge Insurance. There’s a small additional fee involved with using this payment method**.


News & Information

For full details of the conditions, terms, limits and exclusions and to decide whether this cover is suitable for you please read the relevant Product Disclosure Statement.

* An exclusion applies to loss or damage caused by actions of the sea, tidal waves, high water, or erosion.

^ Third-party injury cover does not apply to accidents that have occured in Queensland, as the mobility scooter is required to be registered. CTP insurance is included with the registration, see here www.tmr.qld.gov.au for more information.

† Excludes third party cover in USA and Canada.

ᵒ Available as part of a wheelchair insurance policy.

~ For mobility equipment valued up to $10,000. Discounts will be applied subject to the nature and history of the risk. Underwriting criteria will be applied to the consideration of the risk. This offer may be withdrawn at any time.

** For new policies commencing on or after 9 April 2020 with a policy number starting with BBEC. Monthly payments are organised direct through Blue Badge Insurance. Payments are available by direct debit from your nominated credit card or bank account. Direct debits will occur on the same day of each month and incur an additional fee of 9%.

For new or renewal policies with a policy number starting with BMEC or contain COMPREHENSIVE in the policy number. Monthly payments are organised through Arteva Funding (previously known as Premium Funding) and are subject to their own terms conditions and limitations and a monthly fee will apply that included interest, taxes and charges.

Any advice provided is general only and does not take into consideration your personal circumstances. Please read the relevant Product Disclosure Statement to decide whether this cover is suitable for you.

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