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Your lease package

You’ll get a full package – we’ll cover your insurance, servicing and breakdown. If you choose a car or Wheelchair Accessible Vehicle, we’ll cover your MOTs too. If you choose a scooter or powered wheelchair, we’ll cover your maintenance instead.


Together with RSA Motability (RSAM), we’ll arrange this for you. You can add up to three named drivers and can change these at any time.

Download the insurance booklet

If you’re involved in an accident, please call RSAM as soon as possible to report it and register a claim on 0300 037 3737.

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What's covered

  • Loss of, or damage to your car, including any standard in-car equipment
  • Adaptations and modifications you agreed with us
  • Replacement locks if your keys have been stolen
  • A temporary replacement car if you cannot drive yours because it was stolen or damaged
  • Personal accident cover of up to £5,000
  • Legal liabilities and 'loss of use' benefit
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What's not covered

  • Your excess payment – you need to pay this before repairs begin
  • Loss of keys or any personal belongings
  • Damage to the interior of the car 
  • Non-standard equipment or modifications you've added as optional extras
  • Driving a car we did not give you
  • You or someone else driving without insurance or permission
  • Using the car for business reasons, unless we’ve agreed this with you first

Servicing and MOT


We’ll cover your regular services and routine repairs, to keep your car running perfectly.

This means the cost of each service and any routine repairs.

That includes checks on the engine oil and cooling system, windscreen washer fluid, lights, and tyre tread and pressure.

Servicing will either be at set times during your lease agreement or when you’ve driven your car a certain number of miles.

If you have adaptations fitted in your car, your installer will let you know if these need regular maintenance. If they do, we’ll cover this too.

MOT test

We’ll cover the cost of your MOT checks, to make sure your car meets the current road safety and environmental standards.

These are every three years, so if you have a three-year lease, your dealer will contact you towards the end of your lease to organise this.

You might be able to get a Good Condition Bonus at the end of your lease if you’ve looked after your car well.

A man helping a woman in a wheelchair pack things in the boot
New vehicle

When you need us, we’ll put you in touch with the right team and they’ll be happy to help

Our customer service team

Breakdown cover

We’ll give you RAC breakdown cover for any journey in the UK, and in Europe, as long as you ask the RAC for this when you contact them to ask for a VE103, so you can travel with peace of mind.

If your Scheme car breaks down or will not start, call RAC Motability Assist on 0800 731 1173. They’ll aim to get someone out to you within 45 minutes.

Need a replacement car? Do not forget they’re subject to availability, your contract with us and the terms and conditions of the rental firm. See more

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What RAC Motability Assist cover

  • They’ll recover your car to the nearest repairer if it cannot be repaired at the roadside
  • They’ll help get you where you’re going, or they’ll give you overnight accommodation
  • They’ll give you a replacement car for up to 48 hours if they decide your car is not fit to drive
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What RAC Motability Assist do not cover

  • Driving outside of the UK and Europe
  • Repairs on caravans or trailers you might be towing

See how you can and cannot use your vehicle

Make sure you understand how you can and cannot use your car before you start your lease.

Speak to a dealer

You can start applying online. Then visit a Motability Scheme dealer and they’ll order your car for you.

Find a dealer