Motability in the UK: A Comprehensive Guide

Disabled people in the UK can exchange the qualifying part of their mobility benefit payment to lease a car through the Motability Scheme.

Motability will then provide you with a vehicle as well as providing insurance and servicing. Read our comprehensive Purpl guide to find out more about the Motability Scheme and see whether you qualify, how to apply and answer any questions you might have.

I always thought you could only get disabled adapted cars through Motability so was surprised when I realised I could choose from a wide range of options. If I had known I would have applied earlier.
Georgina’s Disability Money Saving Tips

What is the Motability Scheme?
Who is Entitled to a Motability Car?
What Vehicles are Available on the Motability Scheme?
How to Choose Your Motability Vehicle
How to Order Your Motability Vehicle
How Much Does the Motability Scheme Cost?
What is the Advance Payment?
Adaptations and Accessibility for Motability Vehicles
Motability Lease Period and What Happens After it Ends
How to Extend the Lease on Your Motability Vehicle
Returning Your Car to the Dealer
What is the Good Condition Payment?
The Benefits of the Motability Scheme
Tips for Maximising the Motability Scheme
Frequently Asked Questions (FAQs)
Conclusion

What is the Motability Scheme?

The Motability Scheme allows eligible disabled people to exchange their qualifying disability mobility allowance for a lease on a new car, scooter, or powered wheelchair. The program was designed to provide freedom and independence to people with disabilities, ensuring you can maintain an active lifestyle.

The Motability Scheme covers all of the UK, so whether you live in England, Wales, Scotland or Northern Ireland you can apply to join the motability scheme.

The Motability Scheme offers a variety of benefits, including:

Access to a new vehicle every three years (or every five years for Wheelchair Accessible Vehicles, or WAVs)
Insurance, maintenance, and servicing costs covered
Breakdown assistance through RAC
A 60,000-mile mileage allowance over the lease period
Road tax included
Adaptations to make vehicles more accessible

It is really important to understand that the Motability Scheme is not free, you will lose part of your disability benefit in exchange for receiving a vehicle through the scheme. You may also need to pay a deposit depending on the type of vehicle you choose.

A white woman with fair shoulder length hair sits in a car and is folding her wheelchair to get into a car

The Motability Scheme will provide insurance for you and your family, some cars have a minimum age requirement so always check the details. A great way to save on extra outgoings.
Georgina’s Disability Money Saving Tips

Who is Entitled to a Motability Car?

The Motability Scheme is only available for disabled people in the UK who have difficulty getting around. In order to be eligible to join the Motability Scheme you must be receiving one of the following DWP disability benefits and have at least 12 months left on your award.

Enhanced Rate of the Mobility Component of Personal Independence Payment (PIP)

Higher Rate Mobility Component of Disability Living Allowance (DLA)

Enhanced Rate of Mobility for Adult Disability Payment (ADP)

Higher Rate of Mobility for Child Disability Payment (CDP)

War Pensioners’ Mobility Supplement (WPMS)

Armed Forces Independence Payment (AFIP)

If you’re unsure about your eligibility, you can contact the Motability Scheme directly or check your benefits documentation.

Remember, you must have at least 12 months of your mobility allowance remaining to join the scheme.

If you’re not currently receiving one of the qualifying benefits, you’ll need to apply for them first through the Department for Work and Pensions (DWP) or ask for a re-assessment if you believe your disability has worsened and you could be eligible for the higher rate.

Read our article on how to apply for DLA
Read our article on how to apply for PIP

What Vehicles are Available on the Motability Scheme?

The Motability Scheme offers a wide variety of vehicles to suit different needs, if you are unsure of what you need, you can use the Motability tool to discover whether a car, a Wheelchair Accessible Vehicle (WAV), a scooter or a powered wheelchair would best suit your needs.

Please note that you may need to pay an Advance Payment (deposit) for your chosen vehicle. The Motability website will tell you if there is one and how much it will be so you can make a decision that best suits your needs and financial situation.

Cars (including electric and hybrid vehicles)

From compact hatchbacks to larger SUVs, there’s something for everyone. Many vehicles come with optional adaptations to improve accessibility, such as hand controls or wheelchair hoists.

Wheelchair Accessible Vehicles (WAVs)

These are specially adapted vehicles designed to accommodate a wheelchair user. WAVs are available in various sizes, with features such as lowered floors and ramps.

Scooters and Powered Wheelchairs

If a car isn’t suitable, you can lease a scooter or powered wheelchair through the scheme. These options are ideal for short-distance travel and maintaining independence in your local area.

Adaptation to your own Car

If you prefer there is an option to get your current car adapted, it must belong to you and not be on lease.

How to Choose Your Motability Vehicle

We recommend spending time researching the options available to you first, you can do this by exploring the Motability website. By doing this you can reduce the time required to visit dealerships and test drive vehicles.

You can apply to join the scheme online beforehand or you can join at the dealership, either way you will need to take documentation [link to documents needed section] with you to place the order.

If you are looking for a car, scooter or a powered wheelchair then the best way to apply is to visit a Motability-accredited dealer who can help you through the process.

It’s advisable to phone the dealer to make an appointment, some dealers only have one person who looks after Motability so you want to ensure they are available when you visit. Don’t forget to take your driving licence if you want to test drive a vehicle.

If you think you might want to order it at the same time as test driving then make sure you take all the required documents with you.

If you’re searching for a WAV (Wheelchair Accessible Vehicle) or an adaptions installer, please don’t worry if they are located far away from you as they will come to your home and help you. You will need to be there to place the order or have an appointee there to represent you.

As there are so many options available, I would recommend that you browse through the Motability website first to narrow down your list of potential vehicles that you are interested in.
Georgina’s Disability Money Saving Tips

The dealerships have trained specialists who can guide you through the process, answer your questions, as well as giving you the option to test-drive vehicles.

Once you have decided which vehicle you want you can apply either online or through the dealership.

How to Order Your Motability Vehicle

You can apply for the Motability Scheme online before visiting a Motability-accredited dealer or you can do it directly with your chosen dealership.

Either way you will need to ensure you have the right documents with you to place your order.

If You Have Already Joined Online

If you have already applied to join the Motability Scheme on the Motability website then please ensure you take the following documents with you when placing your order:

A UK passport or driving licence for the appointee or customer applying
Know the National Insurance number (NINO) or Customer Reference Number (CRN) of the person receiving the allowance

If You Want to Join Through the Dealership

A UK passport or driving licence for the appointee or customer applying
Know the National Insurance number (NINO) or Customer Reference Number (CRN) of the person receiving the allowance
Driving licences for all drivers and details of any claims history
Your driver declaration (if the driver is not there)
Your grant award letter (if applicable)

It is important to ensure that your address matches on all of the documents you give us.

The dealership will handle most of the administrative tasks, including liaising with Motability and arranging for any necessary adaptations.

Once you’ve applied online or through the dealership you will receive your acceptance letter about two weeks later, with your Personal Identification Number (PIN) and Contract Hire Terms and Conditions. You can then create an online Motability account to help keep your PIN safe and track your order.

How Much Does the Motability Scheme Cost?

How much you pay depends on the allowance you receive and the vehicle you choose.

You can exchange all or part of your mobility allowance to pay for your Motability vehicle. Please be aware that most Motability vehicles will use all of your mobility disability component, this means you will receive less benefit payment each month.

DWP will pay this money directly to Motability so you won’t need to worry about paying the monthly cost.

You may have to pay additional costs if there is an Advance Payment on your choice of vehicle and if you want optional extras.

Advance Payment: Some vehicles require an upfront Advance Payment if the cost of leasing exceeds your allowance.

Optional Extras: Additional adaptations or features not covered by the scheme may incur extra costs.

Many vehicles are available with no Advance Payment, making the scheme accessible to a wide range of people this is why we recommend researching the Motability website so you know the costs involved for your chosen vehicle.

A man is a wheelchair user and is putting his powered wheelchair onto a mobility van using a hoist lift

What is the Advance Payment?

The Advance Payment is an amount of money that you will need to pay upfront for some vehicles on the Motability Scheme. This is an additional payment on top of the mobility component. It is not a deposit and it is non-refundable.

Your mobility allowance might not cover the full cost for some larger or more expensive vehicles which is why you might have to pay an Advance Payment. Motability calculates the additional cost by looking at the total cost of the vehicle, including its servicing and maintenance, and the expected value at the end of your lease.

Motability also negotiates with manufacturers every three months to get you the best price.

If you are required to pay an Advance Payment, the amount is fixed when you order your car.

You will need to pay your Advance Payment directly to your Motability Scheme dealer, either before or on the day you get your vehicle.

If you’re new to the Motability Scheme, you can trade in your old car to help pay your Advance Payment

Did you know you might be eligible for a grant? If you need a certain type of car or WAV but you cannot afford the Advance Payment, you may be able to get financial help through the Motability Foundation. This is means-tested and depends on your individual circumstances. Please visit the Motability Foundation website to find out more about who can apply and how to apply.

Adaptations and Accessibility for Motability Vehicles

The Motability Scheme offers a variety of adaptations to make vehicles more accessible and easier to drive. These adaptations ensure that individuals with a wide range of disabilities can safely and comfortably operate or use a vehicle.

Some of the most common adaptations include:

Hand Controls: Designed for individuals unable to use traditional foot pedals. These allow drivers to accelerate and brake using a lever system attached to the steering column.

Steering Aids: Devices such as spinner knobs or steering balls make it easier to control the steering wheel, particularly for individuals with limited hand or arm strength.

Wheelchair Hoists: These electrically powered devices assist in loading and unloading wheelchairs into and out of the vehicle, ensuring ease of transport.

Left-Foot Accelerators: Suitable for those who cannot use their right foot. These accelerators are positioned on the left side of the footwell and can often be flipped up when not in use.

Swivel Seats: Seats that rotate to face the vehicle door, making it easier for individuals with mobility issues to enter and exit the vehicle.

Pedal Modifications: Adjustments that make the pedals higher or closer, catering to drivers who find it difficult to reach them.

Remote Controls: Adapted systems that make operating secondary vehicle functions like indicators, headlights, and windscreen wipers more manageable.

Transfer Plates: Rigid or folding plates that bridge the gap between a wheelchair and the car seat, facilitating easier movement into and out of the vehicle.

Many of the basic adaptations, such as hand controls and steering aids, are included in the cost of the lease. However, more complex or bespoke modifications may require additional payments.

When selecting a vehicle, it’s essential to discuss your specific needs with an adaptations specialist to ensure all necessary features are installed.

Check if your dealership offers any promotional deals or incentives for Motability customers.
Georgina’s Disability Money Saving Tips

Motability Lease Period and What Happens After it Ends

The Motability Scheme lease generally lasts for three years from the date you receive your car, or five years if you get a Wheelchair Accessible Vehicle (WAV).

The date will be on your lease agreement.

You have three options at the end of your lease:

You can lease another vehicle through the Scheme
You can request to keep your current vehicle for longer
You can return your vehicle and have your mobility allowance reinstated

Motability will send you a letter to remind you when it’s time to choose your new Scheme car or WAV (Wheelchair Accessible Vehicle).

They will also check there are no issues with your current lease and that you’re still receiving your qualifying mobility allowance.

Three months before your current lease ends you can start applying online for a new car, you will need to provide information about yourself, your allowance and any other people who drive your car.

Two months before your lease ends your current dealership should contact you to arrange an MOT on your current vehicle (this does not apply for the Isle of Man or Northern Ireland)

One month before your lease ends any adaptations that you wish to keep from the current vehicle will need to be removed. This is your choice and costs will need to be covered by yourself. Please arrange this with your adaptations installer. Alternatively, you can just leave the adaptations in the vehicle.

Two hands, one handing over a set of car keys to the other, with a car forecourt in the background

How to Extend the Lease on Your Motability Vehicle

Some people prefer to keep their Motability vehicle for longer, this might be because the vehicle has a low mileage, or lots of adaptations which means it would be easier for you to keep using it. You might be able to extend your lease for up to two more years.

You’ll continue to get everything you were receiving before and Motability will cover the cost of your MOT’s. You will still need to get your MOT booked in before your current lease expires and then again in 12 months time. We recommend booking your MOT in for at least one month before it’s due, to allow time for anything to be fixed before your MOT expires.

You can order your next vehicle at any time during your extension, so you do not have to wait if you see a vehicle you would like to switch to.

To find out if your vehicle is eligible for extension please check your online Motability account

You can only extend your vehicle once. Three months before it ends you will receive a letter explaining your options.

Returning Your Car to the Dealer

If you are returning your current car to your dealer, you will need to hand back any documents and equipment that was given to you with the car.

These could include:

The manufacturer handbook
Spare keys (including any red keys)
Locking wheel nuts
A tyre inflation kit
Radio or key codes
Satellite navigation SD card
Remote controls
Parcel shelves
Extra seats

Your dealer will check your car and if it’s in good condition you could receive a ‘Good Condition Payment’ a few weeks later.

What is the Good Condition Payment?

Depending on the condition of your vehicle or WAV you may get money back at the end of your lease.

This helps to ensure that Motability vehicles and WAVs are able to be resold. In other words, Motability builds into the scheme a small amount of money for the Good Condition Payment (GCP) into the cost of your lease as a form of guarantee, and returns it to you at the end of your lease.

The amount you receive depends on the length of your agreement. It’s currently £250 for a three-year lease and £350 for a five-year lease.

This will be paid to you automatically, you just need to ensure your bank details are correct on your Motability account.

The Benefits of the Motability Scheme

The Motability Scheme offers several advantages, including:

Simplified Budgeting: Insurance, maintenance, and breakdown cover are all included in the lease package, allowing you to avoid unexpected costs. This helps you save money, as nearly all expenses related to the vehicle are covered.

Accessibility: Vehicles and adaptations are tailored to meet your specific needs, ensuring maximum comfort and usability. With a wide range of adaptations available, the scheme enables you to maintain their mobility regardless of your physical challenges.

Independence: The ability to travel freely provides greater independence, allowing you to take part in daily activities such as shopping, attending appointments, or visiting friends and family. This autonomy significantly enhances quality of life.

Peace of Mind: Comprehensive insurance and RAC breakdown cover mean you’re never stranded in the event of an issue. Knowing that support is readily available reduces stress and adds a layer of security.

Vehicle Choice: With a wide selection of vehicles, from compact city cars to spacious WAVs, the scheme offers options to suit various lifestyles and requirements. This flexibility ensures that everyone can find a vehicle that aligns with their preferences and needs.

Community Benefits: Many disabled people on the scheme express a sense of belonging to a wider community of people who understand the challenges of living with disabilities. The scheme fosters connections and support among its users.

Tips for Maximising the Motability Scheme

Communicate with Motability: Keep them informed of any changes to your circumstances or mobility allowance.

Plan Ahead: Think carefully about your needs before selecting a vehicle. Consider future requirements, such as additional space for mobility aids.

Test Drive: Always test-drive a vehicle to ensure it’s comfortable and meets your needs.

Review Adaptation Options: Speak to an adaptations specialist to explore all available options.

Maintain Your Vehicle: Keep up with regular servicing to ensure your vehicle remains in good condition.

Frequently Asked Questions (FAQs)

Can I include additional drivers on the insurance?

Yes, you can nominate up to three drivers, including friends, family members, or carers. However, the vehicle must primarily be used for the benefit of the person receiving the mobility allowance. Please also check the minimum age requirement for the vehicle you are getting as some may not allow young adult drivers.

What happens if my circumstances change?

If your mobility allowance stops or your needs change, contact the Motability Scheme as soon as possible. They will work with you to find a solution, such as ending the lease early or transitioning to a different vehicle.

Are there mileage limits?

Yes, the scheme includes a mileage allowance of 60,000 miles over three years for cars and WAVs. Excess mileage may incur additional charges.

Can I purchase the vehicle at the end of the lease?

In some cases, you may have the option to purchase the vehicle. Discuss this with your dealership towards the end of your lease period.

What if my vehicle breaks down?

RAC breakdown assistance is included in the lease, ensuring you’ll have support if your vehicle breaks down.

Can I cancel my lease early?

Yes, but you may be subject to cancellation fees. Contact Motability for guidance if you need to end your lease early.

Conclusion

The Motability Scheme is a lifeline for many individuals in the UK, offering affordable and accessible mobility solutions. By understanding the eligibility criteria, application process, and available options, you can make the most of this invaluable program.Whether you need a car, WAV, or powered wheelchair, the scheme’s wide range of options ensures that you’ll find a solution tailored to your needs. For further information, visit the official Motability website or contact a local dealership to begin your journey toward greater independence.

About the Author

Georgina is the founder of Purpl Disabled Discounts, she understands the financial challenges that come with living with a disability as she has MS and ADHD. She is on a mission to help the disabled community save money through discounts on everyday products and services, as well as creating a place to support every individual living with a disability in the UK. You can read her story about why she launched Purpl and her ultimate goal of launching a foundation to give grants to disabled people in the UK.

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