Finance Options, Warranties & Insurance

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. That’s why Yorkshire Care Equipment offers a range of finance schemes that allow you to cover equipment costs in a way that’s manageable for you!

Mobility aids and other healthcare aren’t just a big purchase. They are something the user depends on day-to-day. We know that finding a piece of equipment they can rely on for years to come is important to our customers. So, we also offer warranties and insurance plans to give you peace of mind.

Take a look at all of our finance, warranty and insurance options:

Finance

Our team can arrange a finance scheme specifically for you that will suit your budget and requirements. Just have a chat with one of our friendly advisors in our Harrogate showroom or on 01423 799960.

They will be happy to help you understand which funding and allowances you may be eligible to, as well as going through the payment plans available.

Allowances

Older people and people with disabilities can be eligible to claim a variety of grants and allowances to support them financially. Some of these allowances can be used to cover the cost of any healthcare equipment to may need.

Available allowances include:

• Personal Independent Payment
• Disability Living Allowance
• War Pension
• Motability Scheme – Rather than purchasing the equipment outright, you lease your scooter or powered wheelchair on a 3-year contract. Every three years, you will then get a brand-new product.

If you claim any of these allowances, please let us know when you enquire about a product. We will be able to advise on whether they can be used to cover your expenses.

Financing

If you’re already using your Personal Independent Payment, Disability Living Allowance, or War Pension on other equipment, there’s no need to worry! A finance scheme can offer a safe and convenient way to purchase the equipment you need.

We offer finance options for both individuals buying equipment for themselves and businesses purchasing equipment in bulk or on behalf of an individual.

Our team will handle the application process for you, so you don’t even need to fill in any forms!

Finance for private individuals

Duologi, our finance partner, give you the option to borrow the full amount (a deposit is required) for the item you are buying, then pay it back at a fixed amount over an agreed time period.

The whole process is really quick and simple – there are only four steps. Plus, you find out if you’ve been accepted in seconds!

• Ask one of the Yorkshire Care team to submit your application.
  This can be done in our shop or over the phone. You will only need to provide basic identifying information, like your name, address and DOB.
• We send off the application on your behalf and get an answer straight away.
• If you are approved, you can now pay your deposit.
  The size of your deposit can vary depending on how much you want to pay upfront. But the deposit must be at least 10% of the total cost of the item you are buying.Paying a larger deposit will mean you have lower repayment costs each month moving forward.
• Choose how quickly you want to pay the money back

You can choose a repayment plan over 6, 12, 24 or 36 months. This flexibility lets you spread the cost in a way that works for you.

If you go for the 6-month plan, then you get 0% APR – this means you don’t have to pay any interest!

Finance for businesses

Moorgate Finance, our finance partner, offer finance options for medical equipment that costs £1,000 or more. This is ideal for care homes, equipment loan stores and other businesses that purchase equipment on behalf of residents and patients.

Our team will handle the initial application for you and assist you in gathering any supporting information that you may need. When it gets to the stage where financial records and bank statements are required to demonstrate financial stability, we will let you know well in advance. This gives you the chance to gather the information you need in your own time.

Key Information:

• No deposit is required upfront.
• You can repay over 1 – 5 years to suit your requirements.
• Initial quotes will only be confirmed after reviewing business financials and credit searches.

Charitable Funding

For some, 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 you, your family or your patient 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.

Equipment Warranties

The majority of our products come with a warranty. This allows you to rest assured that you have invested in quality equipment and any issues you may have will be resolved for you.

Length of warranty varies for individual products:

• Our Little Lento and Lento care chairs all come with 5 years warranty on the frames.
• The Raizer emergency lifting chair comes with 2 years warranty.
• To find out about the warranty on another product, please just ask!

Insurance

We always recommend taking out insurance on your mobility goods to safeguard your investment.

For powerchair and mobility insurance, Lockton Mobility are our trusted insurance supplier. They offer a range of plans to give you the cover you need.

What’s covered by mobility scooter insurance?

You, and your carer if you have one, are both protected in the event of an accident. Mobility scooter and wheelchair insurance is similar to car insurance – you are covered for damage to other vehicles and property as standard (like third-party car insurance) then you can upgrade to cover repairs and replacements for your own scooter/chair (like fully-comprehensive car insurance).

There is also the option to add additional cover for things like:

• Replacement keys
• Sports use
• Hiring alternative equipment
• Breakdown cover

It is all about finding a plan that meets your needs. If you have any questions about insurance, please don’t hesitate to get in touch.