Motability is a government backed scheme that helps disabled people get mobile by exchanging their mobility allowance to lease a car. Anyone in receipt of a higher rate mobility allowance is eligible and allowances can be used, in part or in full to lease the vehicle of your choice.
Leasing a vehicle is easy
Enjoy carefree motoring and a brand new car every three years, with none of the worry or costs that come with owning and maintaining your own car. The worry-free Motability package includes:
To be eligible to join the Motability Scheme, you must receive one of these disability allowances:
You will need to have at least 12 months remaining on your allowance when you apply.
Depending on which vehicle you choose, you will exchange all or most of the higher rate mobility part of your weekly disability allowance for the course of your three year lease. Other parts - such as the care component - remain completely untouched and you will continue to receive them as normal.
For cars there are three pricing options to choose from. Some cost less than your weekly allowance, others cost the same as your weekly allowance, and some require an Advance Payment. Take a look at our offers page to view current prices. And don't forget, when you lease a car through the Scheme, insurance, breakdown cover, servicing and maintenance, tyre and windscreen replacement are all included in the worry-free package, so all you need to budget for is fuel.
Motability Operations receives the 4 weekly payment for the lease agreement as a direct transfer from the relevant benefits agency.
The Motability Scheme worry-free package includes insurance for up to three named drivers – these can be yourself, friends, family or carers. You can add two drivers when you place your order and a third driver after you have collected the vehicle by calling RSA Motability (RSAM) - you just need to wait at least 24 hours after the handover to do so.
All proposed drivers are subject to the Scheme's policies on who can drive your car and must also meet RSAM's eligibility criteria regardless of whether they are added at application or during your lease. Only drivers listed as permitted drivers on the Certificate of Motor Insurance are insured to drive your Motability Scheme car.
Remember, the car must be used by, or for the benefit of, the disabled person. This does not mean that the disabled person needs to be in the car for every journey. In practice, this means other named drivers in the household can use the car for shopping and other routine activities, as long as the disabled person will benefit.