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Provisional licence holders and learning to drive

You can drive your Motability Scheme car with a provisional licence, providing you are shown as a named driver on the Certificate of Motor Insurance. You must also be accompanied by a named driver who is over 21 and has held their licence for at least three years.

Provisional licence holders

You can only have one provisional licence holder on the Certificate of Motor Insurance and the provisional licence holder cannot be the only driver on the policy.

There are no age restrictions for customers who hold a provisional licence. However, if the provisional licence holder is not the customer, they must be over 21 to drive a Motability Scheme car.

There are also a few rules around who can drive a Scheme car, including for drivers under 25. For petrol, diesel and hybrid vehicles, drivers under 25 are restricted to cars with an ABI Insurance Group rating of 16 or lower and a power output of 120 brake horsepower or less. For electric cars, drivers under 25 are restricted to cars with an ABI Insurance Group rating of 21 or lower and a power output of 140 brakehorse power or less.

Find out more about who can drive

Learning to drive

If you receive a higher rate mobility allowance, you can learn to drive from the age of 16. You can apply for your provisional licence three months before your 16th birthday by completing an online application at gov.ukOpens in new window or by obtaining a D1 application form from your local post office.

As a customer or appointee, you can learn to drive in your Motability Scheme car as long as:

  • You have a provisional licence
  • You are listed as a permitted driver on the Certificate of Motor Insurance
  • You are accompanied by a driver who is over 21 and has held their licence for at least three years. They should be named on your Certificate of Motor Insurance in case they need to take control of the car themselves
  • You must be the customer or appointee to take the practical driving test in your Scheme car.

Help with the cost of driving lessons

If you are an existing Motability Scheme customer, additional charitable support may be available for up to 40 hours of tuition. To qualify for help you must be a current customer of the Scheme and hold a valid provisional licence. If funding is granted, you must complete your tuition within 12 months. Please contact our Customer Services team on 0300 456 4566 for more information on applying for help. Please note we are unable to provide funding for practical or theory tests.