Named drivers are people you choose to drive your Motability Scheme vehicle. Up to three named drivers are included as part of your lease; these can be yourself, friends, family or carers. Two named drivers can be nominated when you place your application, and a third driver can be added during your lease. The quickest way to view, add or change your named drivers is with a Motability Scheme online accountOpens in new window.
Who can drive for you
In order to protect the Scheme, there are a few rules surrounding who can drive your vehicle:
- If none of the named drivers live at the disabled customer’s address, or the disabled customer lives in a care home where a number of drivers have access to the vehicle, we may consider fitting a location tracker. This is to ensure the customer is gaining direct benefit from the vehicle. We will always speak to the customer to discuss this in advance of a tracker being fitted.
- Drivers under 25 are restricted to petrol, diesel or hybrid cars with an ABI Insurance Group of 16 or lower and with a power output of 120 brake horsepower (BHP) or less. For electric cars, drivers under 25 are restricted to cars with an ABI Insurance Group of 21 or lower and with a power output of 140 brake horsepower (BHP) or less. Therefore, before choosing a car please consider whether you will require a driver aged under 25 during your lease. For more information on which cars are suitable, speak to your dealer or look up the car details on the Car Search. BHP restrictions do not apply for Wheelchair Accessible Vehicles.
- Only one named driver under 21 is permitted – this could be the disabled customer, or another driver living at the same address. Provisional licence holders can also learn to drive in Motability Scheme vehicles, provided a few other conditions are met.
- We will only accept drivers who have a legally valid driving licence. Drivers with a non-UK driving licence will be subject to additional checks.
Proposed drivers with certain convictions, disqualifications or endorsements within the last five years will not be allowed. Speak to your dealer or RSA Motability (RSAM)Opens in new window for more information.
Only drivers approved by RSAM’s standard insurance underwriting criteria and named under the permitted drivers section of your Certificate of Motor Insurance are covered to drive your vehicle. Please note that drivers who have their own fully comprehensive insurance cover are not permitted to drive your Motability Scheme vehicle, unless they have been added to your lease as a named driver.
Adding a driver at the start of your lease
When you place the order for your next vehicle, you will need to let your dealer know about who you wish to drive the vehicle, including yourself. This is the case even if you're keeping the same drivers as on your current lease. Named drivers will need to confirm that they will abide by the Scheme guidelines and acknowledge the fair processing declaration Will download a resource(PDF 149KB) to have their licence checked against the DVLA driver licence database.
Changing a driver during your lease
The quickest way to add or change a named driver during your lease is with a Motability Scheme online account. To do this, log in or create an account and go to to the 'Named drivers' section in the 'Insurance cover' area.
Providing the proposed driver passes the required checks, they will be added to your insurance and can drive your vehicle straight away. You’ll then be sent a letter confirming the change of driver, and a copy will also be available to view in your online account the next day.
Alternatively, you can call RSA Motability (RSAM) on 0300 037 3737 and they will make the changes for you. Only the customer or their nominee can request a change of driver. RSAM will need to speak to your proposed named driver to confirm they will abide by the Scheme guidelines and acknowledge the fair processing declaration Will download a resource(PDF 149KB) to have their licence checked against the DVLA driver licence database, so they must be with you when you call.
We understand that you may require a temporary driver from time to time, for example, when you go on holiday or relatives come to visit. You can add a temporary driver at no extra charge. However, please note if you already have three drivers on your insurance policy you would need to swap out one of your existing drivers to accommodate this.
A temporary driver can be added onto your policy for up to 30 days at a time and must always abide by the Scheme rules and use the vehicle for your benefit. If you rely on this driver multiple times throughout the year, they must be included on your Certificate of Motor Insurance as a permanent driver. Please remember that temporary driver additions cannot be used as a substitute for a permanent driver. Please call RSAM on 0300 037 3737 for more information.
Keep us informed
- If your named drivers move address during your lease, you must inform the DVLA
- If a named driver is convicted of a motoring offence during the agreement, you must tell RSAM immediately to make sure you are still covered
- You should let the DVLA know about any change in you or your driver’s mobility or health which might make driving unsafe. But if your GP has passed you to drive and the DVLA are aware of these changes you do not need to contact us.
Driving licence restriction codes
If you, or any named drivers, have driving licence restriction codes that require adaptations to be fitted to the car, your dealership will need to make sure that these adaptations are added to an application. Delivery of your car can’t take place until the correct adaptations are fitted. This is to ensure that you, or your driver, are driving the car according to the required driving licence codes held by the DVLA.
If the driving licence restriction codes are no longer required, please contact the DVLA to discuss the codes being removed from the licence. The DVLA can be contacted by calling 0300 790 6801.
Renewing or updating your driving licence
The DVLA requires you to renew your photocard driving licence every 10 years, or every three years if you are over 70 years old. If you do not renew your licence and continue to drive, you run the risk of receiving a fine or penalty points on your licence.
If you are a driver on the Motability Scheme and your licence expires, you will not be able to drive the vehicle until the licence has been renewed, so it is important to make sure your licence is kept up-to-date.
If your driving licence is due to expire within the next year, you are still able to join the Scheme or order a new vehicle, but you should ensure that you renew your licence with the DVLA in plenty of time before the expiry date.
The DVLA should send you a reminder a couple of months before you need to renew, and you can now do this online at www.gov.ukOpens in new window. Alternatively, you can renew your licence in a Post Office or by collecting a ‘D1 pack’ from a Post Office and sending this to the DVLA directly. Renewing your licence usually takes around three weeks but is likely to take longer at this time due to the COVID-19 situation.
If you are a customer in Northern Ireland, you should visit nidirect.gov.ukOpens in new window for more information on how to renew your licence.
Once your licence has been renewed, you should contact RSA Motability (RSAM) on 0300 037 3737 to update your licence details with them.