See the answers to the most frequently asked questions
If you’ve thought about getting a new car through the Motability Scheme but would like to talk through a few things, we’re here to help.
We’re here to help
To start with, we’ve summarised some of the things people often ask us below.
These may be points that have been on your mind too, though there could be other things you want to know as well.
If that’s the case, don’t hesitate to talk to one of our dedicated Motability Scheme specialists when you’re ready - you can search through the full range of vehicles available to lease through the Scheme using our Car Search tool, and arrange an appointment to speak to a specialist at the dealership of your choice, using our Find a Dealer tool.
How it works
1. Remind me – how does the Motability Scheme work?
The purpose of the Scheme is to provide the simplest, most affordable way to run a brand-new car. There’s no credit checks or lengthy forms to fill out. You just exchange your mobility allowance to lease the car that suits your needs best. Everyday running costs such as insurance, maintenance and breakdown recovery, are all included in the weekly price. So, you just need to pay for fuel and off you go.
2. How much will a new car cost me a week?
Our choice of over 1,600 vehicles is split into the three price band options below. You can pick from the one that fits your budget the best:
- Cars that cost less than your weekly mobility allowance, so you keep the difference
- Cars that cost exactly the same as your allowance
- Cars that cost the same as your allowance, plus a one-off Advance Payment
Remember, whatever car you choose, insurance, servicing, repairs and breakdown recovery, are all included in the weekly price.
3. What's included with the lease?
Apart from fuel, your lease includes everything you’ll need to keep your car running smoothly, so you really can enjoy worry-free motoring without the hassle of unexpected bills or repairs.
Insurance for up to three named drivers (this doesn't have to be you)
Servicing, MOTs, road tax, maintenance and repairs
Full RAC breakdown assistance
Tyre repair and replacement
Many adaptations fitted at no extra cost
4. How do you collect the payments?
We receive the 4 weekly payment for the lease agreement as a direct transfer from the relevant benefits agency. We’ll make the arrangements when you place your application, so that the payments are deducted automatically and you don’t have to worry.
5. What if I need an adaptation?
If you require adaptations to help make driving, or travelling, easier or more comfortable, you’ll be pleased to know that many of the most popular ones are available at no additional cost when fitted at the start of your lease.
Adaptations generally fall into three categories:
- Driving adaptations to help improve your driving experience
- Stowage adaptations allowing you to stow your scooter or wheelchair
- Access adaptations which help you get in and out of the car
6. Will I definitely be able to get the car I need?
The Motability Scheme stays right up-to-date with the latest car models from most of the leading manufacturers. So yes, the likelihood is that the car you want will be available. All we would say is, before setting your heart on a particular car, visit a dealership or two and speak to their Motability specialist for expert advice. They may recommend other cars to test drive, so you can compare them to the one you were thinking of.
7. What do other customers say?
Today, more than 600,000 customers and their families put their trust in the Motability Scheme and the freedom it brings. Watch our video to see some of our customers talk about how the Scheme has helped make a difference to their day-to-day lives.
Who can apply and how?
8. How do I know if I’m eligible for the Motability Scheme?
Simple, you’re eligible if you currently receive any of these allowances and have 12 months remaining on your award:
- Higher Rate Mobility Component of the Disability Living Allowance (DLA)
- Enhanced Rate of the Mobility Componentof Personal Independence Payment (PIP)
- War Pensioners’ Mobility Supplement (WPMS)
- Armed Forces Independence Payment (AFIP)
9. Can I get a car on the Motability Scheme even if I don’t drive?
Yes, you don’t have to be able to drive to get a car on the Scheme. Lots of our customers don’t drive. That’s why the insurance with your lease is for up to three named drivers. So your car could be driven by a family member, friend or carer, it doesn’t have to be you. Also, you may like to know, you can lease a Motability Scheme car as a learner driver, so long as you have a provisional licence.
10. What about PIP reassessments?
If you’re currently in receipt of the Disability Living Allowance (DLA) and are invited for a reassessment, as long as you’re successful in your application for the Enhanced Rate of the Mobility Component of Personal Independence Payment (PIP), you will still be eligible to join the Motability Scheme. If you became a customer, then lost your allowance , we would offer you the chance to buy the car, or you could return it with no further payments to make. If that’s the case, you may also be entitled to £1000 stopped allowance support payment.
11. I’m over 65, can I still join the Motability Scheme?
Anyone that has the allowances mentioned in question 8, is eligible to apply to join the Motability Scheme, regardless of their age. You just need to have at least 12 months remaining on your mobility allowance when you join. Please note, the Attendance Allowance cannot be used to lease a car through the Motability Scheme.
12. What if I’m family, a friend or carer?
We want the Motability Scheme to be as convenient as possible for our customers and the people who support them. That’s one of the reasons we include insurance for up to three named drivers on the lease. Also, if it’s easier for the customer, they can nominate you to speak to us about the lease agreement on their behalf. You can talk to us now and we’ll happily take you through how it works.
13. What if I don’t have a great credit history?
There are no credit checks and no lengthy forms to fill out. All you need to have is 12 months remaining on a qualifying allowance to be eligible to apply.
14. Can I trade in the car I have now against a new one?
You can trade in your privately owned car at most Motability Scheme dealerships. This could help finance an Advance Payment or optional extras for your new car. And remember, a Motability Scheme car is brand-new and your lease includes all the maintenance you’ll need to keep your vehicle running smoothly. So that means none of the unexpected repair bills, often associated with running an older car.
15. How do I apply?
It’s simple- search through our range of vehicles to see what’s available, then visit a dealership to speak to a Motability specialist and arrange a test drive. When you’ve decided on the car, the dealer you choose will help complete your order for you at the dealership.
16. How can I book a test drive?
Use our Find a Dealer tool to get a list of the dealerships closest to you. Then, speak to their Motability Specialist and arrange a test drive. Don’t forget to take your licence with you.
17. What happens if the car breaks down?
The great thing about leasing a brand new car is that, most of the time, it means the car is far more reliable than an older vehicle, so you’re less likely to experience a problem.
But, if you do break down, the RAC will be there to help. And don’t forget, break down cover is included within the cost of your lease, so you don’t have to worry about making any arrangements- we’ll take care of that for you.
18. What happens at the end of the lease?
Car leases usually last for three years. We’ll get in touch about three months before your lease is due to end so you can pick your next car and renew your lease. We’re pleased to say that in 2019, 91% of customers chose to renew their lease with us.
19. How can I find the right car?
Finding the right new car starts with having the best possible choice of manufacturers and their latest models - and that’s what you’ll find on our Car Search tool. And whether you’re looking for a low emission hatchback, or a bigger family vehicle, our easy online ‘Car Search’ makes getting to what you want easy.
20. How long will it take to get my new car?
Well, that depends on the manufacturers and the model you have ordered. Just ask your chosen dealer about the estimated delivery time when making your application and they’ll arrange a suitable delivery date with you.