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The Motability Car Scheme Explained

By: Jonathan Webb - Updated: 24 Sep 2020 | comments*Discuss
Motability Car Disability Scheme Award

The purchase and adaptation of a car can prove to be an expensive exercise. Motability, a not for profit organisation, operate the Motability Scheme, which enables disabled drivers to either purchase or lease a car at a price which is affordable.

If you are in receipt of the War Pensioners' Mobility Supplement or the higher rate of the mobility component of Disability Living Allowance, the Mobility Scheme can assist you in the purchase or lease of a car. If you are unable to drive, it is possible for you to apply for a car by putting forward the names of two people who would be willing to act as your driver.

It is possible to change nominated drivers during the lease and it is also possible to add a third nominated driver for a little extra cost. If one of your nominated drivers is under 25, there are restrictions on what type of vehicles they can be insured on and an insurance excess will apply. If you have a child aged three years or over, and who is entitled to claim the higher rate mobility component of Disability Living Allowance, you can also apply for a car through the Motability Scheme. You simply turn part, or all, of your allowance into the car of your choice. There are no waiting lists, no credit checks and there is no assessment required.

The person in receipt of mobility allowance does not always have to be in the car when it is in use. Someone doing your shopping or general errands can also be of great benefit to you.

Contract Hire Scheme

The contract hire scheme allows you to lease a car, that has been supplied by a Motability accredited dealer, for at least three years. Although you will need to pay for the fitting and removal of any modifications, insurance, servicing and roadside recovery are included in the cost along with free replacement tyres and window or windscreen replacement at no extra cost. This policy continues right to the end of your three year contract, with a seamless transfer to your new car. You are able to apply for this if you have at least 12 months of your Disability Living Award remaining. If, during the full length of your chosen scheme, your award is not renewed the car has to be returned.

Motability updates their car prices every quarter and, even if the price rises before you collect it, you only pay the price that was quoted at the time of ordering. Depending on what car you have chosen, it may not even be necessary to make an advance payment.

A hire purchase scheme is also available to enable you to purchase the car of your choice, whether it be a new or second hand car. If you chose this option you are responsible for negotiating the purchase price of the car with your chosen dealer and also for ensuring the car is covered by insurance. The hire purchase term can last between three and five years, after which you will own the car.

If you have financial difficulties that may make paying for a car, or having it adapted, difficult, it may be possible for Motability to offer a grant through their charitable fund or through the specialised vehicle funds that they administer on behalf of the government.

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Awarded Enhanced 2 yrs. Notability scheme lease for 3 yrs. Can I still lease and await my renewal or do they not do 2 yr lease cars?
Eastexchange - 24-Sep-20 @ 10:57 PM
What if you have to give the car up through illness or other reasons can you do this
Pixie - 7-Sep-20 @ 3:01 AM
If you have taken a car out for the 3 years and take sick and unable to use the car what happens then
Pixie - 7-Sep-20 @ 2:57 AM
I have just turned 16, my sister is 17 but is unable to drive due to processing issues and visual impairment (doesn't meet the standards) would I be able to drive a car for her so that she could go out with friends ect. But also so she could go to appointments without relying on our parents?
Rey - 25-Apr-20 @ 11:33 AM
My sister has mobility car but can’t drive to my mum drives it but I’m only 16 and want to learn to drive in a few months would I be able to learn to drive her car and take my test??
Farrah - 30-Sep-19 @ 9:23 AM
Can i use my own car for my mobility issues and have the tax and insurance paid for from my pip.
Ugsy - 8-Sep-19 @ 3:32 AM
Hi, I'm planning to get my disabled license in this month. I have question on the allowance type mentioned above. I don't get any of the allowance and I'm working as full time employee. And I'm in ICT tier 2 Visa category in the UK. So is that possible to get the Motability scheme if i'm not getting any of the allowance?
Chamath - 11-Jun-19 @ 5:14 PM
Hi I have currently a car through mobility which it's into its fourth year.we want to buy and I have ordered my new car. When we pay mobility for the old car do we need to get it insured straight away. It will b another 4 days before I can pick up my newbone
Kaz - 11-Jun-19 @ 4:19 PM
i recieve full mobility allowance.i cannot drive. can i get the free tax for my sons car so he can take me where i need to go.thankyou .
d.d - 4-May-19 @ 10:36 AM
i have just had my right leg below the knee amputated can i apply for motability allowance
pepper - 29-Apr-19 @ 11:24 AM
I am thinking of using my pip towards a mobility car. I dont drive. I would be using my partner as only named driver, he stays at different address 2 miles awayso car would be kept at his address. He is also my registered carer and does all my shopping etc, comes in everynight sees me to bed. He takes me to all my appointments, and having car would get me out house more as i am currently housebound. My question is is it possible for him to use car for his work, he only works few days a week, but as he is my registered carer, and should i take ill on the days he is working he has to come away from work, it would benefit me as he would be at my home with in 15 mins, rather than an hour if he is on the bus.
Sylvia - 8-Nov-18 @ 12:06 AM
I am writing re information for my niece who lives in UK. I live in Australia. For the past 18 years my niece has been driving a car that her parents paid to have adapted for foot steering as she has limited use of two digits on one very short arm and The other arm is very short and not usable. The car now needs to be replaced but her Mum passed away 6 years and her Father can not afford to pay for another car to be adapted. She has told me that she’s been told that Motability cannot help as they only help people with no legs. This information appears contrary to the advice in your article. Can you offer any information of any help available as my niece lives in the country near Hereford and will be stranded without a vehicle. She also is very active in the Girl guide movement including taking groups to The Falklands and other events. Your comments would be appreciated. Thanks
Mag - 10-Oct-18 @ 6:48 AM
Hey how long does location tracker stay on mobility car
Bestfun - 5-Jul-18 @ 2:09 PM
Jacko - Your Question:
Hey im currently on pip high care and mobilty I have thought about trying to do some driving lessons in automatic, if I some how managed to pass and get a licence would I have to declare this to dwp(pip) and would it effect my claim for example would they get me in for a re assessment? Or would they allow me to just get a car on mobililty? Any help would be appreciated.

Our Response:
If the information in the article doesn't answer your question, you can see more via the CAB link here, which should help further.
DisabledTravelAdvice - 14-Jun-18 @ 11:58 AM
Hey im currently on pip high care and mobilty i have thought about trying to do some driving lessons in automatic, if i some how managed to pass and get a licence would i have to declare this to dwp(pip) and would it effect my claim for example would they get me in for a re assessment? Or would they allow me to just get a car on mobililty? Any help would be appreciated.
Jacko - 12-Jun-18 @ 9:55 PM
I am on enhance pip I can't drive but I am going to learn can I get a mobility car to learn in
Bella - 22-Apr-18 @ 2:55 AM
i have a focus automatic car ,i have problem walking long distancesso i bought a scooter ,truble is i have to take it apart [4pices] which fills the boot of car,i would like to know if i could have a bigger vehicle so the scooter fits without takin it apart,i would have to have hoist to do the job of lifting in vehicle.?
john - 26-Feb-18 @ 10:26 AM
My 17 year old daughter has been awarded enhanced mobility and enhanced rate for daily living needs. Due to her autism & other medical issues she would not be able to drive. Am I entitled as her parent to a mobility car. I also transport/care for my 91 year old mother & father and transport them daily to get them out and to attend their hospital and other appointments. My mother has Copd and is on oxygen and my father has recently had a distal bypass and walks with the help of a stick. I do not claim careers allowance or any other allowances for any of them.
Coconut - 19-Jan-18 @ 9:36 PM
Can anyone tell me if a person has just passed their driving test are they allowed to go on as a second driver?
2017 - 21-Oct-17 @ 3:50 PM
I am in receipt of pip after suffering with athritis of my knees and also having spinal surgery 10 yrs ago which i still suffer with back problems could i apply for a car on mobility
Mizzy - 2-Oct-17 @ 4:59 PM
Hi. I have been having a right foot drop on account of an accident I had 7 years ago. For the last 7 years, I have been driving an automatic transmission car using my left foot without the need to make any amendments to the pedals. I have trained myself to do this efficiently and driving this way comes naturally to me now. I have now moved into the UK a couple of months ago from my home country and was wondering if I can continue to drive the way I have been doing for the last 7 years, i.e. without the need to "adapt" my car? Will this method of driving be acceptable to DVLA and the insurance companies? Thanks for your response
arup - 27-Aug-17 @ 3:12 PM
Hello. I have a driving license. In 2015 I was diagnosed with osteo-arthritis in both knees.Having recovered from that after 3 months, I was hit from behind in a car accident which propelled me into another car that hit me on the driver's side, irritating my right knee especially. The concluding medical reports have now stated that the car accident has exacerbated my arthritis, to the extent that I have been advised to learn to drive again using steering wheel controls as my knees - and especially my right knee can nolonger take the pressure of pedals.I just have a couple of questions as a result:-1) Does that mean that I am disabled and ought I seek to be registered as such?2) If yes or even no, how do I find someone to enable me to gain confidence in using steering wheel controls and then how might I get assistance in purchasing a car? Thank you for your assistance in this matter.
Delta - 26-Jul-17 @ 7:41 PM
Did allow who deafness get Motability or not? Kindest regards Lee
LEE - 17-Jul-17 @ 8:33 PM
i have a mobility car i paid 695 pounds of a deposit i recieved my new car on 2/11/2016 a large van hit me from behind 14000 pounds damage.right off.i am looking for a car the same as the one that was right off.one person tells me thatit is insurance job and i dont have to leave a deposit. an another tells me i have . both from mobility.
waldo - 8-Jun-17 @ 2:44 AM
I am asking my mother can't walk and needs now and again to go out would i as the husband who drives be eligible for a mobility car
Zam - 4-Jun-17 @ 2:59 PM
i am a carer formy son who gets dla and i want to take him and my other kids on holiday but will need a bigger car is there any way of hiring one cheaper for the holiday duration or get funding for this? any advice would be gratefull thank you x
nikki - 23-May-17 @ 11:08 AM
Due to reassesment my husband has now been put on the lower rater pip. Can he buy his mobility car and does this have to be purchased outright? Thanks
itswilma - 9-Apr-17 @ 7:43 PM
Hi I have 2 disabled kids with DUCHENNE MUSCULAR DYSTROPHY and we have a 9 seater Renault traffic minibus off Motability as my dad is the driver and my mum and dad live with me. My wife and 3 kids but I am now 26 and have my driving test in a few weeks and very likely to pass but I was wondering can I get another car as I have 2 separate Motability awards that we get for 2 kids so I shouldn't see the problem as they will take my other Motability side of my other sons claim to pay for the car every month so I need to know as I'm gonna order a car this week to be here ready in time for when I pass. Please help!!!!
Steeley - 3-Apr-17 @ 8:12 PM
Hi after multiple motability cars that i drive for my mother .I live about 200m from her and the car is for running her about and errands . I work part time and use car to go and come back from work but as i dont pass my mothers house directly going to work I can no longer use car and having a tracker fitted as i work where no bus route available it will take an extra 2 hrs a day and restricts any usage for my mother as car will be parked up.Is there any exception I could use. I have read about paying the tax but dont know if new rules permit that .
Swankey - 29-Mar-17 @ 8:17 AM
I'm 24 at the moment . My mother has a car from motability they state that only people over 25 can drive this vehicle , since there has been a negative change in her circumstance and im the only person able to care for her and unless I'm able to drive her car to take her to hospital appointments and pick up prescriptions and generally take her out she will be house bound . Will motability make an exception in these rare circumstances ?
Jack - 27-Mar-17 @ 5:24 PM
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