I have a mobility scooter, bought privately second hand, a bit rickety, but it does the job for me, because we are about 10 mins walk from the bus stop, and although the shops are close by - probably 10-15 minute walk, it is the carrying of the shopping home that makes me keep the buggie. I also have another one which was my husband's again, bought privately, because he needed it, but if you are not disabled and buy a buggie from a shop, then you must pay VAT. Our insurance cover was £40. each, and we had it just really as personal liability. My daughter told me of an item of news on the radio that a large proportion of NHS hospital money is spent on "loneliness. Having a buggie can help to cure some of that loneliness, amazing the number of people who will smile and say good morning, makes all the difference to the day. I know.