Everything You Need To Know About Motability Car Insurance

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.

RSA Motability

The insurance policy covers a wide range of eventualities from the moment the vehicle is driven away from the Motability dealership. You should refer to your insurance cover booklet for the full details, but here is a short summary of what your 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

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 is 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.

Yes. Motability recently changed their guidelines to include the option of adding a third driver for no additional charge. 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.

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.

No, although if you do leave the Motability Scheme RSA Motability are able to send out a claims history letter that some insurance firms will accept as proof of your claims history.

Yes. Motability allow drivers to travel abroad on holiday within the European Union and to Iceland, Norway, Switzerland and Liechtenstein. Check with RSA Motability though because restrictions and exclusions do apply. If you are planning on taking the vehicle abroad for longer than 6 months contact the Motability Customer Services team.

In addition, Motability customers need to apply for and take with them a VE103 (Vehicle on Hire) document when travelling to a foreign country in a Motability car. Call the RAC Motability Assist foreign travel line on 0800 73 133 10 for more information, and to arrange European Breakdown Cover while abroad.

RSA Motability accept that there is some uncertainty about what Brexit would mean for Motability customers. A no-deal Brexit would mean that Motability customers would need to carry a Green Card to drive in most European countries, including the Republic of Ireland. This can be applied for when arranging your VE103 (see above). Check with RSA Motability for the latest Brexit advice.

RSA Motability Brexit Advice

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.

RSA Motability Help & Contact Information