Your worry-free lease package
You need to receive a qualifying mobility allowance to be eligible to lease an electric car through the Motability Scheme. We’ll give you a way to charge your car.
We'll arrange your insurance for you
We'll arrange insurance cover for your Motability Scheme vehicle together with Direct Line Motability (DLM).
You can add up to three drivers and can change these at any time.
Download the insurance booklet
If you’re involved in an accident, please report it to DLM as soon as possible and register a claim. You can do this online through the 'Insurance' section of your Motability Scheme online account.
The portal is available all day, every day to log a claim online at a time that suits you.
Or you can call DLM directly on 0300 037 3737.
What’s covered by your policy?
- Loss or damage to your car including in-car equipment
- Adaptations and modifications agreed with us
Replacement locks if keys are stolen
- A temporary replacement car if yours is not drivable due to loss or damage
- Personal accident cover up to £5,000
- Legal liabilities and loss of use benefit
What’s not covered
Excess payment before repairs begin
- Loss of keys or personal belongings
- Damage to interior of the car
- Non-standard equipment or modifications added as optional extras
- Driving cars not provided by us
- Unauthorised or uninsured drivers
Using the car for business purposes
- We recommend getting your chargepoint covered by your home insurance
We'll keep your car running perfectly
We'll cover your service and routine repair costs
Regular servicing and maintenance is included as part of your worry-free package for your electric car. Any routine repairs are included in your agreement.
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.
The latest car means the latest tech. Remember, you'll get more than a brand-new car and our worry-free package. You'll get to enjoy all the latest features and tech too.
We'll cover the cost of your MOTs
MOT tests check your car is safe to drive and meets environmental standards. It’s due every three years. If you have a three-year lease, your dealer will let you know when to arrange it. The cost of the MOT test is included in your lease.
We’re proud of our customer services. You tell us often that they really make a difference to you. We’re always here to help.
Source: Ipsos interviewed 600 Motability Scheme customers by telephone between 29 September 2023 and 20 October 2023.
We'll give you breakdown cover
Breakdown cover for your electric car is included in your lease. If your car breaks down while you are out and about, or you have an accident, you can be confident that the RAC Motability Assist helpline and recovery staff are trained to handle your calls. They’re available all day, every day, all year round on 0800 73 111 73.
Or you can download the myRAC app(opens in a new window). It's the easiest way to report your breakdown. Even if you’re not sure where you are, report it using the app and the RAC will know exactly where to find you. It has other helpful features too, like a route planner, vehicle maintenance reminders, news and advice.
Out of charge? Some RAC vans are fitted with an EV Boost, which can give you a 30-mile boost to get you home or to the nearest chargepoint.
Make sure you're happy with the terms and conditions and how you can and cannot use a vehicle on the Scheme before you lease an electric car. See more
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
- A replacement car for up to 48 hours if they decide your car isn’t fit to drive
What RAC Motability Assist does not cover
- Driving outside of the UK and Europe
- Repairs on caravans or trailers you might be towing
Chargepoint installation
One of the great things about leasing an electric car through the Motability Scheme is we’ll arrange and cover the cost of a home chargepoint and a standard installation, if you’re leasing your first electric car on the Scheme.
Having a chargepoint fitted at your home is the most convenient and cost-effective way of charging your electric car.
You can have a chargepoint installed at one of your approved drivers’ addresses, but you need to contact us to discuss this and get approval.
We’ll only pay for one chargepoint to be installed at the start of your first electric lease, so you need to be sure you will not change that driver during your lease.
You’ll have to pay extra if you need a non-standard installation. For example, if your parking space is not next to your home or your electrical equipment needs to be upgraded.
If we’re not able to fit a home chargepoint at your home, you’ll be given access to the bp pulse network for easy public charging.
If you have any questions or issues with your home chargepoint, please speak to your chargepoint installer directly.
We'll arrange your tax for you
Unless you decide to pay your vehicle tax yourself or you live on the Isle of Man, we’ll arrange it for you. You will not need to do anything.
If you live in Great Britain or Northern Ireland
When you get your new vehicle, it’ll already be taxed for the first year, then we’ll renew it for you each year of your lease.
If you live on the Isle of Man
We’ll tax your vehicle for your first year, but you’ll need to renew it each year after that.
If you decide to pay your own tax
Some people find it’s best to keep their disability exemption on a private vehicle and pay for their Scheme vehicle tax themselves. Let your dealer know when you apply or contact us if you decide during your lease.
If you drive an electric car and choose to pay your own road tax, you’ll need to start paying tax for this vehicle from 2025. If you use your disability exemption on your Scheme electric vehicle, we’ll arrange this for you, as normal. You will not need do or pay anything.
