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A common question often asked! Should I have insurance cover on my stairlift. Should I try and have it listed on my Home content policy or find an insurance broker that deals with mobility products.

Should you take out any cover at all? Well some people seem to stroll along through life with no complications and never seem to have any bad luck with items they purchase. Unlike myself! No matter what I buy even if it’s the dearest item in the shop sure as day follows night I guarantee it will break. (Normally just out of the guarantee period) So if you are one of them people like me. I highly recommend some type of insurance policy be taken out.

Stairlift breakdowns can be costly as well as inconvenient: Most stairlift companies will offer you an annual stair lift maintenance contract once your warranty has elapsed. The initial train of thought on discovering the price of these annual service contracts is to wave them goodbye.

Lets take a quick look at the Pro’s & Con’s: The best solution would be to have a chairlift maintenance contract with the company you purchased the chairlift from. The plus side! Local Engineer on call, Van stocked with spare parts, In-house trained on the products they install service and repair. A quick simple phone call should have you up and running in no time.

Downside: Tied into a twelve month contract, Very expensive 300-500 per year (none refundable) Depending on the maintenance contract you take out parts might not be covered or limited (Always read the small print)

Home Policy Insurance: It’s Your job to locate a company that will be willing to attend. If it’s late at night or weekend not much chance of that happening unless you are on their books so to speak. You will still be required to find the cash to pay for the call-out charge and then claim this back through your insurance company (This could take Months)

Lets face it when you need your stair lift you need it NOW. The last thing anyone wants to be doing is looking through the telephone book. Phoning company after company if it’s late at night you will only get a telephone answering service, not much help . Ever made an appointment with a company that never turned up! I have many times, back to square one you best get the phone book out again.

In a nutshell any type of cover is better than no cover. If you want hassle free service and don’t mind the hefty price tag your option is simple. If you are on a limited budget then home insurance would be better than no cover. Insurance companies that insure mobility products should have a private contractor or stairlift company who attends emergency call-outs on their behalf etc.

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Life is in fact very troublesome for the aged and the disabled individuals since they have to rely on others to move about. Especially, when they have to move up or down the stairs, it gets very hard for them and the people around them.

They can fall while climbing the stair and make things all the more complicated for themselves and their family. In this situation, buying a stair lift is an excellent option. An electric stair lift allows the disabled or old people to go to the various floors of the house on their own and in a safe manner. Stair lifts transport you to one storey to another in the safest manner and thus setting your free to move about on your own.

By buying an electric stair lift, you will be giving liberty not only to the old or disabled individuals in your family, but also be setting yourself from the job of taking them up or down the stairs. An electric stair has several benefits. These devices are very safe and come with several features. You can find them with seats or the ones with the standing option alone. Standing stair lifts are handy for the ones who have some problems with their joints and fail to bend their knees.

While the seated stair lifts permits the ones who are totally disabled to go from one floor to the other without any possibility of falling. All they need to do is to sit on the seat and they can climb stairs without anyone’s help.

One amazing thing about the electric stair lift is that you can mount them in any set of steps. Since they are obtainable in a number of models and sorts, you can find one which is best for your particular set of steps. Straight, curved or spiral stair lifts, all are accessible to best meet your wants.

They are also unproblematic to manage and exceptionally user friendly. Some stair lifts also come with battery feature which implies that they will not cease to work even in case of power breakdown.

Since electric stair lifts are mainly meant for the old or the disabled folks, they have been designed on the highest safety standards. They have obstruction sensors, which mean that they can discern objects which obstruct their path, and the stop the lift. These safety features allow the user to travel on them without any threat of falling or hurting themselves.

When you have to purchase an electric stair lift, you should check out many models and the kinds so that you can purchase the one which meets your need the best. You can get functions like padded armrests, folding rails and swivel seats in electric stair lifts. Stair lifts also have button controls and joystick controls to help the user to the utmost. You can also get wireless remote control system in these stair lifts. It is always good to purchase an electric stair lift from a reputed manufacturer so that you also get the warranty with it.