Fish Insurance is one of the leading UK-based insurance companies. The company offers specialized insurance for people with pre-existing medical illnesses, disabilities, or mobility issues.
By carefully reading this article, you will learn everything you need to know about Fish insurance, including its coverage.
About Fish Insurance
Fish Insurance is one of the greatest insurance companies in the United Kingdom.
Customers should not experience any surprises or frustrations, according to the business. They prefer to keep things simple and ensure that everything they do is clear.
Fish Insurance is a subsidiary of PIB Insurance Group Limited, a fast-growing insurance brokerage that was established in 2014.
PIB provides a wide range of specialized knowledge, products, and services to clients in the United Kingdom.
What is the Process of Fish Insurance?
Manual wheelchairs, powered wheelchairs, mobility scooters, in-home devices such as stairlifts and hoists, as well as wheelchair-accessible vehicles, are all covered by Fish insurance (WAVs).
They also offer liability insurance for customers who hire their own personal helpers at home.
They collaborate extensively with healthcare professionals, local governments, mobility and healthcare equipment dealers, charities, and other insurers to develop their plans.
Why Should You Buy Fish Insurance?
One of the advantages of purchasing Fish insurance is that you can be certain of receiving exactly what you desire.
This is because they tailor each insurance policy they provide to the needs of their consumers.
The insurance company is based in the United Kingdom and employs specially qualified and friendly personnel. These individuals can provide you with all the help you require.
In addition, the company is one of the largest providers of disability and independent living insurance in the United Kingdom. The Financial Conduct Authority also authorizes and regulates its administration.
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What Fish Insurance Coverage is Available?
Fish insurance covers a lot. Some of the policies it covers include:
1. Mobility Scooter Insurance
Insurance for Fish Mobility Scooter insurance satisfies scooter owners’ demands to protect themselves against third-party liability claims and ensure their scooter is against loss or damage.
Their regulations safeguard mobility scooter users and have no age limit. Covering the essentials like accidental damage, third-party liability, theft, and extras like personal injury insurance.
On their Extra Level insurance, they also give 24/7 breakdown recovery and the option to add puncture treatment for an additional price to make you feel more comfortable getting out and about.
What are the Advantages of Mobility Scooter Insurance?
Mobility Scooter Fish Insurance is available in three levels of coverage, allowing you to select the insurance that best suits your needs.
The amount of coverage varies depending on the policy you select. Their policies include the following:
- There is no upper age limit.
- Coverage for any user
- Liability insurance protects you if you cause an accident or damage to your mobility scooter while using it.
- Theft, vandalism, and accidental damage are all covered.
- If your mobility scooter needs to be repaired or replaced, they will pay for renting new equipment.
- For scooters less than two years old that have been stolen, and for scooters up to three years old that have been accidentally damaged, a new-for-old replacement is available.
- If you are not the car’s original owner, your claim will be decided based on market value.
- Breakdown recovery is included in the Extra level policy 24 hours a day, 7 days a week.
To get a Mobility scooter insurance quote, click below:
https://quote.fishinsurance.co.uk/policy-purchase/mobility-scooter
Features of Mobility Scooter Insurance
Some of the features of Mobility scooter insurance include:
1. Liability to a third party
This insurance protects you if you cause an accident or damage to someone else’s property while riding your scooter.
2. Puncture Treatment
This covers the cost of repairing a tyre puncture, including the callout fee. There is no coverage for damage to tyres that have been punctured. Note that there is a limit of 100 euros for each callout and 200 euros per year.
3. Cover for a Breakdown
If the destination is less than 10 miles away, you can recuperate at your house, UK holiday lodgings, or a local repairer.
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2. Car insurance for disabled drivers.
This Fish Adapted Vehicle Insurance & Wheelchair Accessible Vehicle (WAV) Insurance is for you if you’re a disabled driver or have disabled passengers.
Disabled drivers, changed automobiles, and WAVs are all covered under the Fish Disability Car Insurance policy.
Some general insurers may charge higher rates for changed and adapted automobiles since they consider all alterations risky.
As handicapped Automobile Insurance experts, they understand that when your car is changed, it’s usually not to improve its performance or appearance but to make it more functional for you. They also understand that disabled drivers may pose a lower risk.
That’s why it’s crucial to weigh the advantages of specialized disability vehicle insurance against conventional policies since you want to ensure that the insurer understands your needs and provides the coverage.
What are the Advantages?
Some of the advantages of this policy include:
- Home start services, roadside assistance, car recovery, and overnight or emergency housing are all available in the United Kingdom.
- Up to four breakdown call-outs per year are possible. They offer coverage in Europe for an extra fee.
- Coverage for repairing and replacing your car’s adaptations you’ve informed us about.
- While fixing your car, you’ll get a free courtesy car (or a £700 mobility allowance if unavailable).
- Coverage of up to £20 million (and up to £5 million per claim) for accidental damage to other people’s property or injury to others.
- This policy covers repairs with a lifetime warranty.
- Further, this policy covers up to £2,500 of your wheelchairs and other mobility aids in your automobile.
3. Insurance for caregivers and employers
Fish insurance provides coverage for both individuals who employ and those who provide care.
If you hire a personal assistant or a caregiver, this option will allow you to:
Employers’ liability insurance protects you if your caregiver gets hurt while doing support services for you. It excludes injuries for which they do not find you at fault.
Public liability insurance protects you against bodily injury to others and damage to their property. It does not cover damage to your personal goods or bodily injury.
In brief, this offer will safeguard you if your employee gets an injury or becomes ill while working for you and seeks compensation from you.
If you’re a caregiver or personal assistant, this option will:
Public liability insurance protects you against bodily injury to others and damage to their property. It does not cover damage to your personal goods or bodily injury.
Personal accident insurance protects you in the event of an accident at work. It excludes any pre-existing medical issues, diseases, or natural disasters.
Why did you choose this cover?
Coverage for a variety of home adaptations, as well as perks for customers with disabilities, medical conditions, or mobility issues, such as
Manual wheelchairs and disability aids have protection. Also, if your wheelchair or mobility equipment is unusable, you may be eligible for reimbursement of up to £250 for meal delivery.
Replacement of lost or damaged adaptations you’ve told us about with new ones
If there is home damage and you can no longer reside there, you can get up to £25,000 in alternative accommodation coverage.
For an extra fee, 24-hour home emergency support is provided. This can cover up to £500 in fees for unexpected expenses such as burst pipes, but it does not cover routine home maintenance.
You can get legal protection for your family up to £50,000 for a small fee.
These aren’t the only advantages that come with our Home Insurance policy. Please read the applicable policy papers for additional information. Limitations and exclusions apply to all insurance policies.
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4. Fish Manual wheelchair insurance
The Manual Wheelchair Insurance plan ensures that if your manual wheelchair is stolen, damaged, or involved in an accident, it will be fixed or replaced.
Their insurance offers £2 million in liability coverage and timely and professional service.
This shields you from any negligence claims in which they alleged a third person or their property to have been damaged because of your actions.
What are the Advantages of manual wheelchair insurance?
Some of the advantages of a manual wheelchair include:
- Accidental damage, such as fire and flood.
- Theft and vandalism.
- For theft claims involving wheelchairs under two years old and for accidental damage claims involving wheelchairs up to three years old, a new-for-old replacement is available.
- Your claim depends on market value if you are not the original owner of the wheelchair.
- With a breakdown or accident, they will incur recovery charges to get you home.
- You pay your expenditures upfront and get them back later; the maximum claim limit is £100 per event and £200 each policy year.
- Personal and attendant liability coverage of up to £2 million in the event of accidental harm to third parties or their property while using your wheelchair.
- From only £25 each year.
Insurance for prosthetics
Prosthetic device insurance is specifically designed to provide you peace of mind if your prosthetic device is destroyed or stolen.
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What are the advantages of having a prosthetics insurance policy?
Covers loss or damage to your prosthetic equipment because of:
- Accidental Deterioration
- Vandalism, theft, and malicious damage
- Storm, Fire, or Flood.
- Coverage is not available for devices older than 7 years or for wear and tear.
- Covers you up to £2 million in public liability insurance if you cause harm to someone or their property with your prosthetic device.
- Note that you won’t get coverage if you use your prosthetic device for something else.
- You’ll get up to £3,000 in personal accident insurance if you get injured while using your prosthetic device.
- If a pre-existing medical condition caused the harm, coverage is not available.
- If you’re admitted to the hospital because of an accidental physical injury caused by your prosthetic device, you may be eligible for a hospital benefit of up to £250.
- Up to 21 days of coverage per travel worldwide, including baggage handler coverage up to the market value of your gadget.
- In the United States and Canada, liability insurance is not available.
Fish Insurance Contact
To get more information about the Fish insurance policy or speak
to the team, call 0333 331 3770. Also, you can visit Fish Insurance’s official website to learn more about their policy and how to get the one right for you.
Fish Insurance website: https://www.fishinsurance.co.uk/
Conclusion
If you have pre-existing medical conditions, mobility issues any form of disability; Fish insurance gets you covered once it is insurance.
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