Finance & Insurance Options

FINANCE

We understand that paying a lump sum upfront isn’t always possible for bigger purchases like mobility scooters, powerchairs, and rise and recliner chairs. This should not stop you from being able to buy equipment that can help you lead a comfortable and independent life, so you may want to take a look at our finance schemes.

Our team can arrange a finance scheme specifically for you that will suit your budget and requirements. If you’re already using your Personal Independent Payment, Disability Living Allowance, or War Pension on other equipment, then a finance scheme may be the safest alternative method of payment. We can look at the best options for you, whether it’s a personal loan or hire purchase. Just have a chat with one of our friendly advisors to find out more details.

Personal Loan

Personal loans are a commonly used on finance schemes. This entails the individual borrowing the full amount for the item that they are buying, and then paying it back at a fixed amount over an agreed period of time.

Once you’ve chosen the product you’d like to purchase on finance from us, one of our team will complete an application form with you. This will then be sent to our finance partner (First Senior Finance) who will call you to confirm all your details and that you’re happy to go forward with the application and financial arrangements.

If you are approved, you need to pay a pre-agreed deposit to Yorkshire Care Equipment to secure your item. Once you receive the product, our finance partner will pay us the remaining amount on your behalf. You will then pay your pre-agreed instalments back to our finance First Senior Finance for the agreed length of time until it is all repaid.

Hire Purchase

The hire purchase scheme is another way to buy goods from us without having to pay the full sum immediately. The client would hire the item from our finance partner, paying them back in instalments until you’ve reached the end of your plan where you will be given the option to buy the item.

When you have picked the item(s) you want to buy on hire purchase, one of our team members will go through an application form with you to be submitted to our finance partner. Once they have received your application, they will give you a call to ensure that all your details are correct and that you are happy to go forward with everything.

If your application is approved, you will then pay a pre-agreed deposit to Yorkshire Care Equipment. Once we have supplied you with the product, First Senior Finance will pay us the remainder of the amount. You will then hire the item from the finance company in pre-agreed amounts over a specified duration, with the option to purchase the product for a small fee when you have paid off the amount.

INSURANCE

We always recommend taking out insurance on your mobility goods to safeguard your investment. Whether it’s a powerchair, scooter, or stairlift, we offer various insurance policies and plans that will keep you covered for almost every imaginable circumstance.

Mobility Scooter & Powerchair Insurance

Triple Star Value Insurance

A little peace of mind should anything ever happen to your scooter or powerchair. Whether it’s an accident, theft, or vandalism, this policy keeps you covered.

Accidental Damage Cover
Fire Damage Cover
Flood Damage Cover
Loss or damage caused by theft or attempted theft
Storm Damage Cover
45 Day worldwide cover
Public liability up £2 million
Temporary cover to loan equipment of similar value whilst your product is with the dealer/manufacturer
‘Get-you-home’ expenses following an accident
New for old replacement if the damage exceeds 60% of the replacement value during the first 3 years, assuming product is new
No excess
No claims bonus scheme
Carer contingent liability
Temporary hire costs cover
Personal Injury benefit up to £2000
Personal effects covered up to £250
Loss of Key Cover up to £50
Any Driver

Triple Star Extended Warranty

Guaranteed protection for unexpected repair bills.

Cover for new and used products against unforeseen electrical and mechanical failure when the manufacturer’s warranty has expired
All relevant call-out charges, labour and parts costs are covered
Multiple durations available

Triple Star 24/7 Roadside Recovery

Travel uninhibited with this breakdown cover that will keep you covered when stranded away from home, no matter what time it is.

Exclusive recovery service and assistance following electrical or mechanical breakdown of your vehicle Immobilisation of your vehicle as a result of an accident, tyre puncture, flat battery, vandalism or attempted theft
Returns you and your vehicle back home or a temporary address within 20 miles
Maximum of 6 call-outs a year
24/7 service
Coverage throughout the UK (inc. Northern Ireland, the Isle of Man, and the Channel Islands)

Homecare Insurance

Triple Star Cover	Straight stairlifts Curved stairlifts Riser Recliner Chairs Riser Beds Bathlifts Mobile Hoists
Triple Star Value Insurance	Accidental Damage Cover Fire Damage Cover Flood Damage Cover Loss or damage caused by theft or attempted theft Storm Damage Cover New for old replacement if the damage exceeds 60% of the replacement value during the first 3 years, assuming product is new No excess No claims bonus scheme Direct payment to the repairers
Triple Star Extended Warranty	Cover for new and used products against unforeseen electrical and mechanical failure when the manufacturer’s warranty has expired All relevant call-out charges covered All relevant labour charges covered All relevant parts costs covered Multiple durations available No excess No claims bonus scheme Direct payment to the repairers

CHARITABLE FUNDING

For some families, obtaining essential specialised equipment and even good quality of life would be impossible without the help of charities.

People often worry about approaching charities, but for them to be successful in helping others, they need causes as well as contributions.

So if your child or your family will genuinely miss out without their help, they will want you to apply.

We have a huge charities list with information about each so you have somewhere to start. Just get in touch with our team and request a copy.