Motability Scheme - Everything you Need to Know!

Motability Scheme - Everything you Need to Know!

This Rivervale guide to the motability scheme tells you all of the benefits of the scheme, how to access the scheme, how long it takes to process before you receive your motability car, who is eligible and what you can use it for...

What do you need to know?

What is the motability scheme?

The motability scheme enables people with a disability to lease a new car by exchanging their motability allowance. Insurance, maintenance and breakdown cover are all included under the scheme. Fuel and consumables is the only cost you’ll have to worry about.

If you need assistance with driving, entering your car or storing your wheelchair, you can fit your car with adaptations, so that you can have a comfortable and hassle-free journey. You can add two drivers onto your insurance, plus you’re entitled to a new car every 3 years - it’s a win-win scenario!

There’s even a bonus of up to £500 for a three year lease and up to £800 for a five year lease, when you return the car in good condition - Called a ‘Good Condition Bonus’.

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How do i join the motability scheme?

Before you apply for the motability scheme, you will need to visit the Motability website and use its Car Search Tool to find the vehicle that matches your exact requirements including any adaptations you may need and the drivers you would like to add onto the insurance.

There is some restriction on the cars available for those under 25 years old. However searching for the appropriate ones is made simple with the filtering options on the motability website.

Then it’s as simple as finding your nearest car dealership, booking in a test drive and then finally ordering your new car.

Note that you will need to bring evidence of your driving licence, address and your award letter. You will also need to take the person who will be added to the insurance, along with their identification and driver’s licence.

When you order your new vehicle, it is worth noting that most adaptations are significantly more expensive if they are NOT ordered at the same time as ordering the car.

How long does it take to get my motability car?

Usually it takes up to 8 weeks to complete the motability process, providing you with enough time to find the car that’s perfect for you.

The Benefits of Car Leasing

Who is eligible for the motability scheme?

You are eligible to the motability scheme if you receive any of the following benefits;

Disability Living Allowance (DLA) - £59.75 per week

Personal Independence Payment (PIP) - £59.75 per week

War Pensioners’ Mobility Supplement (WPMS) - £66.75 per week

Armed Forces Independent Payment (AFIP) - 145.35 per week


You need to have at LEAST 12 months left on your award - If you have less you cannot start a new lease.

Claiming on behalf of a child?

If you have a child who is aged 3 or over, it is likely that you can claim for a motability car via the motability scheme. For more information about motability help, vist

What can i use my motability car for?

You can use your motability car for a range of things, whether it’s for pleasure or business use. If your job requires you to travel frequently, you should contact RSA Motability and ask about covering your car for business purposes.

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What happens at the end of my lease?

There are 3 options available to you after your lease ends:

✔️Option 1:

Three months prior to your lease ending, your car leasing company will contact you to place an order on your next car.

✔️Option 2:

Extend your lease agreement on your current car beyond the 3 years.

✔️Option 3:

Return your car, your allowance will be paid back to you.

If your allowance ends during your lease?

If your mobility allowance expires during your lease agreement, then it’s up to you to make sure it’s renewed on time with Department for Work and Pension (DWP), otherwise you’ll no longer be able to continue your lease via the motability scheme. If, for whatever reason, the DWP deem that your you’re no longer permitted to claim a motability allowance, then you’ll need to return the car back to the leasing company. Once you return the car, you will not need to make any further payments, as well as no penalty charges.

For more information about the motability scheme, you can arrange an information pack to be send to you via email or post. Alternatively, you can also give them a call on 0300 456 4566.

Are you on the motability scheme? If so, how has it impacted your life in a positive way? Leave a comment below.

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