The Motability Scheme helps disabled people in the UK to use their government-funded Mobility Allowance to drive a brand new car, helping over 3 million people since its roll out in the 1970s.
Here are answers to many of the common questions people ask about the scheme.
To join the Motability Scheme, you need to currently benefit from one of the following government funded Mobility Allowances:
The Motability Scheme helps disabled people be more mobile by exchanging their Mobility Allowance for a brand new car. It's only the mobility element of the allowance that is exchanged for a car, not the whole allowance. You also need at least 12 months' award length remaining.
Motability’s all-inclusive 3 year package includes:
Motability will now insure up to three people drive the car. The Mobility Allowance recipient does not need to be one of these named drivers. So, if you qualify for a Motability car but don't actually drive, you can nominate up to 3 drivers (who could be relatives, friends or carers) to drive the car on your behalf.
Restrictions do apply, including to drivers who are aged under 25.
Even though the insurance is classed as fully comprehensive, the named drivers are not insured to drive any other vehicles. Furthermore, no one else is covered to drive the Motability car even if they have their own fully comprehensive insurance. In addition, the policy also does not cover personal belongings in the car.
Yes. Young people in the UK who receive a Higher Rate Mobility Allowance can learn to drive in their own Motability car from the age of 16, a year earlier than other drivers. You can also apply for your provisional licence 3 months before your 16th birthday.
Motability Scheme customers can often get charitable support from Motability to help with the cost of driving lessons.
Motability adaptations generally fall into 3 distinct categories:
All Motability cars can be adapted to suit any individual's specific needs.
It depends on the Motability vehicle that you choose. Most cars will require all of your Mobility Allowance, though there are normally around 100 vehicles that cost less than the full allowance, giving you some money back.
Remember, it's only the Mobility element of your allowance that is exchanged for a car, not your whole allowance.
There are hundreds of vehicles available that require no upfront Advance Payment, but if you choose a more expensive model, it’s likely you will need to pay an Advance Payment at the beginning of the agreement. This can range from £49 up to many thousands of pounds.
Your Motability Specialist may ask you to pay a deposit when you order your vehicle, especially if the vehicle you want isn't in stock and has to be ordered through the factory. This may also apply if you order a vehicle with special or factory-fitted options, or if the vehicle you have ordered has a high Advance Payment.
Each dealership will have a different policy.
Any deposit that you have paid to the dealer would be deducted from any Advance Payment that you would pay on the day of your handover.
No. Although the Motability car is leased to you, the ownership of the vehicle remains with Motability Operations during the 3 year term (5 for Wheelchair Accessible Vehicles), which means it has to be handed back. At the end of the agreement there are two options:
Customers who have very low mileage on their car, have expensive adaptations or who are waiting for their new Motability car to arrive can sometimes extend their lease.
In some circumstances it is possible to buy your vehicle at the end of the lease. Call the Motability Customer Services team for more information.
No. The Advance Payment is a one off, non-refundable payment that you make to the dealership before you take delivery of the Motability car. You may qualify for the £600 Good Condition Bonus if you return the vehicle at the end of the lease in an acceptable condition (see section below).
It pays to take good care of your Motability car. At the end of your lease, Motability could pay you £600 (or £900 for WAVs) if the car hasn't suffered any serious damage. When you hand your car back, the dealer will take photos and carry out a full appraisal of the vehicle. If Motability decide that the car qualifies for the Good Condition Bonus they'll pay the money straight into your bank account or send you a cheque in the post.
If you return the vehicle before the end of the agreed lease period (early termination) and it qualifies for the Good Condition Bonus, the Good Condition Bonus amount is paid pro-rata (so the amount of money you get back is linked to the number of years you've had the vehicle).
Keeping your car in a good condition makes it easier for Motability to sell it after you've handed it back to them.
Yes. If you already receive one of the qualifying allowances when you turn 65, you should qualify.
The Department for Work and Pensions (DWP) has an upper age limit of 64 (or the state pension age) for anyone applying for one of the Motability qualifying disability-related benefits for the first time.
So, if you are already in receipt of one of the qualifying Mobility Allowances when you reach 65, you can continue to lease (or apply for) a Motability vehicle.
Unfortunately, the Attendance Allowance cannot be used to order a vehicle through the Motability Scheme.
The Higher Rate Mobility Component of the Disability Living Allowance can be awarded to disabled children from the age of three. As the child’s parent or guardian you can order a Motability car to use on their behalf as soon as their allowance has been confirmed. The Motability car can be ordered in the run up to their third birthday.
Yes. The number of 100% electric vehicles available to order through the Motability Scheme is growing all the time. As demand for electric vehicles in the UK continues to rise there's bound to be significant growth in the number of electric Motability cars (or BEV's) leased by people with a disability through the scheme.
The Motability worry-free motoring package also includes a free charging solution for customers who order a 100% electric vehicle. Customers can choose between a fitted home charging point or access to a dedicated on-street charging network. The charging solution is free, but customers are still responsible for the cost of the electricity they use to charge up the vehicle.
There's also a great range of hybrid vehicles available to lease through the Motability Scheme, including full hybrids, mild hybrids and plug-in hybrids.
No. You can still lease a Motability car even if you don’t drive. You simply need to nominate a maximum of three drivers who will be insured by Motability to drive the car on your behalf, as long as they live with (or within five miles of) you. Motability will also consider requests to include drivers who live more than five miles away.
Drivers under 25 are restricted to cars with engines that have a power output of 120 Brake Horse Power (BHP) or less and an insurance group of 16 or below (this does not apply to WAV drivers). In addition, only one driver under the age of 21 is allowed.
Lease payments will start after you have collected your new Motability vehicle from the dealership. They will be deducted from your qualifying Mobility Allowance every four weeks, then paid directly to Motability by the Department for Work and Pensions (DWP) or Veterans Agency (VA).
Standard metallic colours are normally included in the price, so you can choose a Motability car with metallic paint at no extra cost. Special edition paint or premium paint may cost extra.
No, not really. You just pay for the fuel.
The scheme also doesn't include screen wash or de-icer, although many dealers will top this up when you visit them for a service. They'll normally give your car a quick wash and vac too! If your vehicle uses Adblue, the dealer will also top this up for you if your vehicle is running low.
Motability won't pay any parking or speeding fines.
As a registered charity, Motability offer charitable grants to disabled people who would otherwise be unable to afford what they need to get around and retain their independence. If you think you would benefit from a charitable grant you should contact the Motability Customer Service team to discuss it further. You can find more information about the financial support available on the Motability website.
Yes, but only with the approval of Motability. Reasons to extend your lease include the vehicle having very low mileage, the vehicle having specialist adaptations fitted to it and the arrival of your next car being delayed by the manufacturer. Motability can approve your extension request for up to an additional 2 years.
To discuss extending your Motability lease contact the Motability Customer Services Team on 0300 456 4566.
Early termination of your Motability lease agreement is possible. Motability recognise that a lot can change with a customer’s personal circumstances during the lease and it’s possible that a person with a disability may find that the vehicle is no longer suitable.
To discuss cancelling your Motability lease contact the Motability Customer Services Team on 0300 456 4566.
Yes. Motability will consider all requests to assign a personalised number plate to a Motability car as long as the plate is owned by the recipient (or a partner who lives with the recipient). Contact Motability Customer Services to find out more.
There are several good options to help you to work out if a car will be right for you:
You can order your next Motability car three months before the end of your existing lease, but we think it’s a good idea to start thinking about your next car a few months before then.
Yes. If you have a privately-owned car, you can trade it in at your chosen Motability dealership. The money from the sale of the vehicle could go straight back to you or, if you want to choose a more expensive car, you could decide to put it towards an Advance Payment.
If you have an older vehicle that's not worth that much anymore you could choose to raise a bit of money for a good cause by giving it away to a specialist charity scrapping and recycling service instead of trading it in or taking it to a local scrapyard more
When you visit a Motability dealerships to place an order you will need to bring with you:
If there's going to be a nominated driver or drivers, they will ideally need to be present and have their driving licence with them.
It is not possible to get a car and a scooter or powered wheelchair at the same time because customers are not currently allowed to have more than one lease agreement on the Motability Scheme at one time.
It is something that Motability hope to be able to change and offer to customers in the future.
Yes. The insurance cover means you can travel to foreign countries in your Motability car. You will need to contact the RAC Motability Assist Foreign Travel team a few weeks before you travel and complete a special form (VE103 Vehicle on Hire) to ensure you are fully covered, including breakdown cover.
To take your Motability Scheme car abroad within the European Union (and to Iceland, Norway, Switzerland and Liechtenstein) you will also need to obtain a Green Card (a document that proves your vehicle is insured if you are driving in Europe) before you travel. This should be issued automatically by the Motability RAC Motability Assist Foreign Travel team when you request a VE103.
Here’s a list of some of the more common acronyms associated with the Motability scheme and what the letters stand for.
PIP – Personal Independence Payment
HRMC-DLA – Higher Rate Mobility Component of the Disability Living Allowance
WPMS – War Pensioners’ Mobility Supplement
AFPI – Armed Forces Independence Payment
WAV – Wheelchair Accessible Vehicle
DWP – Department for Work and Pensions
DVLA - Driver and Vehicle Licencing Agency
SUV – Sports Utility Vehicle
MPV – Multi Purpose Vehicle
BEV - Battery Electric Vehicle
AP – Advance Payment
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Motability’s all-inclusive 3 year / 60,000 mile car lease package includes:
Insurance cover for 3 named drivers is included.
The cost of servicing and maintaining your car is included.
Full breakdown cover provided by RAC Motability Assist is included.
Tyre and windscreen repair and replacement cover is included.
Motability will automatically tax the vehicle every year.
Many helpful adaptations are available at no extra cost.