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Making sense of the Motability Scheme

Click on the tabs below to find out the answers to popular questions.

You exchange all, or part, of your mobility allowance

Depending on your choice of car, you will exchange all or most of the higher rate mobility part of your weekly disability benefit over three years. Other parts, such as your living allowance, remain completely untouched and you will continue to receive them as normal.

There are three pricing options to choose from:

  • Around 150 cars cost less than your mobility allowance, meaning you keep any money left over
  • Over 400 cars on the Scheme cost the same as your mobility allowance so you simply swap this allowance for the car of your choice
  • You can increase your choice even further by paying a one-off upfront payment (Advance Payment)

Search cars on the Scheme

You can trade in your own car

You can trade in your privately owned car at your local Motability dealership. You can use this towards an Advance Payment or extras for your new car if you wish. There are nearly 5,000 participating dealerships to choose from and we can help you find the ones closest to you. Find a dealer now.

Motability cars are brand new and your lease includes all the maintenance you’ll need to keep your vehicle running smoothly so there'll be no unexpected repair bills. All you need to budget for is fuel! Find out what's included in the Motability Scheme's all-inclusive package.

Find a dealer

There are no age limits, no credit checks and no lengthy forms

All you need in order to lease a vehicle on the Motability Scheme is at least 12 months remaining on one of the allowances listed below.

  • Higher Rate Mobility Component of the Disability Living Allowance
  • Enhanced Rate of the Mobility Component of Personal Independence Payment (PIP)
  • War Pensioners’ Mobility Supplement
  • Armed Forces Independence Payment  

Check if you are eligible

No payments or penalty charges will apply if you have to leave us

As long as you're successful in your application for the Enhanced Rate of the Mobility Component of Personal Independence Payment , you will be eligible to join the Motability Scheme.

If you become a Motability customer and subsequently lose your allowance, you'll have to return the car. There will be no further lease payments or penalty charges, and you’ll also be offered the chance to buy your car.  You may also be entitled to a £250 Return to Dealer payment. We’ll be in touch to help you return the car and support you through this transition .

If the Department for Work and Pensions (DWP)Opens in new window has already invited you to apply for PIP, you may want to wait for the outcome before considering whether to join the Scheme.

Learn more about PIP and the Scheme

You can nominate up to two drivers and choose from hundreds of adaptations

Not all our customers can, or want to, drive themselves. That’s why insurance for up to two drivers is included in your lease.

Alternatively, thousands of customers choose vehicle adaptations to help them drive, get in and out of the vehicle, or stow their wheelchair. These adjustments are straightforward to arrange through the dealership .

Many of the most popular driving adaptations are available at no extra cost if you order them through the dealership at the same time as you order your car.

More about adding named drivers
Watch our adaptations videos