A Guide to Motability

The Motability scheme helps disabled people use their government-funded mobility allowance to lease a new car, scooter or powered wheelchair.

To be eligible, you must be in receipt of one of the following; the Higher Rate Mobility Component of Disability Living Allowance (HRMC DLA), the Enhanced Rate of the Mobility Component of Personal Independence Payment (ERMC PIP), the War Pensioners’ Mobility Supplement (WPMS) or the Armed Forces Independence Payment (AFIP) to take part in the scheme.

As part of the scheme, registered charity, Motability offers what it describes as a worry-free package including adaptations, many of which are made at no additional cost; RSA Motability (RSAM) insurance; breakdown assistance; servicing, maintenance and repairs and the chance to change your car, scooter or powered wheelchair for a brand new one every three years, as is common practice with all forms of contract hire.

To take part in the scheme, all you need to do is find a car dealer who participates in it. With nearly 5,000 dealers already registered for the scheme, there is bound to be one near you. You can locate your nearest on the Motability website.

With a trained Motability specialist at one of these dealers, you can discuss your needs and wants for your new lease car and arrange a test drive.

Your dealer will also be able to discuss with you any optional extras or adaptations which might make driving easier and more comfortable for you. At the dealership, you will also be able to arrange to transfer your allowance to Motability. The allowance is then paid directly to Motability by the Department for Work and Pensions or Service Personnel & Veterans Agency.

The scheme is eligible with a wide choice of cars, over 2,000 in fact, to suit all needs and budgets. Currently there are over 500 cars that cost no more than the weekly allowance payment, and over 150 that cost less than that, giving you money to back to spend where you wish.

However you can opt to increase your choice of cars by making an upfront payment referred to as an Advance Payment.

In some cases Motability can provide financial assistance, if you cannot afford to lease a specific car you need, if you need essential adaptations or a Wheelchair Accessible Vehicle (WAV) which can sometimes cost more.

However financial help is only awarded towards the least expensive solution that meets your mobility needs and you should also expect to contribute as much as you can afford.

Once you have found the right car for you, your Motability specialist will complete your order using the Motability online system. You will then be sent an acceptance letter containing your Personal Identification Number, which you will need to collect your vehicle. The dealer will be able to tell you when to expect delivery.