For my first wheelchair, a Permobil C500s VS that is very similar to your F5 VS, that was paid for by health insurance, all repairs so far have been covered by insurance.
I started off with a United Healthcare PPO policy. They paid for that wheelchair and have covered many thousands of dollars of repairs to it (motors, batteries, tires, switches, electrical components, etc.).
I am now on Medicare (Parts A and B) with a Supplement (Medigap) policy. I have not needed to have repairs done to that wheelchair through medicare yet, but have been told by NuMotion that Medicare now covers that chair and that repairs will be covered.
But, having insurance cover a repair is not always the most cost effective way to get a repair done. For example, when I first needed new tires, they quoted me almost $1,000 for the drive tires alone.
The tires only cost around $100 per pair, but NuMotion did not want to install the tires on the rims, so were going to charge me for an entire new set of wheels (tires and rims). I bought the tires separately and had a friend install them. My 20% copay at the time would have been $200, so I saved money buying just the tires without insurance helping out (insurance will only cover something bought through a DME).
I have found this to be the case for many parts. The prices are so inflated through NuMotion (and probably other DMEs) that buying them from a third party can cost less than my copay would be.
Of course, those parts don't have the Permobil warranty, but I have found the Permobil warranty to be virtually worthless. They offer a 90 day warranty and try to interpret that to mean 90 days from the time they ship the part to NuMotion. I have had several cases where the warranty was expired before NuMotion got around to fixing the wheelchair and making it ready for me to pick up.
Technically, Permobil's warranty has a provision for it starting after the repaired wheelchair is delivered to the customer, but they have always started off with claiming that an item is out of warranty because it has been over 90 days since they shipped the part to NuMotion.
Steve