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Protecting the Scheme

Clear and simple guidelines help us to make sure the Motability Scheme upholds our core principle of helping disabled people to enjoy affordable, worry-free motoring.

Drivers – a few simple rules

To help combat misuse of our cars, and to make sure that all Motability Scheme cars are used for the benefit of the disabled person:

To enable us to continue providing affordable motoring for all:

  • Drivers aged under 25 are restricted to cars with an ABI Insurance Group 16 or lower and with a power output of 120 brake horsepower (BHP) or less. This does not apply to Wheelchair Accessible Vehicles. For more information, speak to your dealer or visit thatcham.org/abigroupratingOpens in new window
  • Only one named driver under 21 is permitted. This could be the disabled customer, or another driver living at the same address.

If you are choosing your next car and nominated drivers, you will need to take these policies into account.

Location trackers

The Motability Scheme includes insurance cover for two named drivers, however regardless of who is driving the car, it should always be used for the benefit of the disabled customer. To ensure that you are gaining direct benefit from your Motability Scheme car, in some cases we may talk to you about fitting a location tracker. An example of this could be if none of your named drivers are resident at your address or you live in a care home where a number of drivers have access to the car. If this is the case, we will always speak to you in advance.

Location trackers are just one of the many ways that we act to protect the Scheme from abuse and to ensure that the cars are used for the benefit of our customers.