Making A Claim Or Updating Your Details
If you currently lease a Motability vehicle and you or one of the named drivers has been involved in accident or incident that you need to report, you should notify the insurance company as soon as possible and register a claim.
When you call, they will advise whether any repairs are required to the vehicle and arrange for alternative transport (if needed). They are also likely to ask for your customer reference number, the date and circumstances of the incident you are calling about, as well as other details related to the claim.
What’s Covered By The RSA Motability Insurance Policy?
The insurance policy covers a wide range of eventualities from the moment the vehicle is driven away from the dealership. You should refer to your insurance cover booklet for the full details, but here is a short summary of what your Motability insurance policy will cover you for:
- Loss or damage to the Motability vehicle
- Accidental damage to the Motability vehicle
- Fire or theft damage to the Motability vehicle
- Repair or replacement of the windscreen or any windows
- Personal accident cover for the driver and any passengers
- In-car equipment permanently fitted or supplied with the car as standard
- Adaptations and modifications that Motability have agreed to and been told about
- Any accessories or tools supplied with the Motability vehicle
- Replacement locks (where keys have been stolen and the theft reported to police)
- Travel to and from a normal workplace
- Driving the Motability vehicle for voluntary or charitable work, provided you don't receive a fixed regular payment by the organisation
Who Can Drive The Motability Car?
The insurance cover allows two named people to be nominated to drive the vehicle when you make your application, and that doesn’t have include the Mobility Allowance recipient (the person that the Motability vehicle has been leased for). So, if you currently qualify for a Motability car or WAV but don't actually drive, you can nominate two 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.
No one else is covered to drive the Motability vehicle, even if they have their own fully comprehensive insurance.
Can I Add A Third Driver To The Motability Insurance Cover?
Yes. Motability have changed their guidelines to include the option of adding a third driver for no additional charge. Two named drivers can be nominated when you place your order, and if you find that you need to add a third driver during your Motability lease, they can be added by getting in touch with RSA Motability.
What Are The Restrictions For Young Drivers?
Drivers under 25 are restricted to Motability cars with an insurance group of 16 or lower and with an engine that has a power output of 120 brake horse power (BHP) or less (this rule does not apply to young people driving a Wheelchair Accessible Vehicles). In addition, only one driver under the age of 21 is permitted.
Can I Accrue A No Claims Discount While I’m With Motability?
No, although if you do leave the Motability Scheme RSA Motability are able to send out a claim's history letter that some insurance firms will accept as proof of your claims history.
Can The Motability Vehicle Be Driven Abroad?
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.
What Isn’t Covered By The Motability Insurance Policy?
Like all motor insurance policies, if you do have to make an insurance claim you will have to pay an excess. This is usually £100, though the amount varies and is dependent upon the age and the experience of the driver.
In addition, the policy does not cover any personal belongings in the car, loss of keys, any non-standard equipment or modifications, any serious damage to the interior of the vehicle or any business use (other than travelling to and from your usual place of work).
You should refer to your RSA Motability insurance cover booklet for the full details.