The Motability Car Scheme
Motability is a Scheme for disabled people which enables you to lease and adapt a vehicle using certain disability benefits. The lease fee covers routine maintenance, insurance and breakdown cover, so is an affordable option.
If you lease a Motability car, you will receive these benefits:
• New vehicle every three years.
• Servicing and Maintenance.
• Breakdown assistance with RAC.
• Annual car tax.
• Replacement tires – fitted by Kwick Fit.
• Window and Windscreen maintenance.
• 60,000 mileage allowance – over three years.
• Select adaptations at no extra cost.
• Great selection of WAVs.
• 550 cars at no advance payment.
Who can use the scheme?
You can join the scheme by exchanging your mobility allowance in order to lease a Motability vehicle.
You must receive one of the below allowances to be eligible:
Higher Rate Mobility Component of Disability Living Allowance (HRMC DLA)
• This allowance is provided by the Department of Work and Pensions (DWP).
• As of 8 April 2015, this allowance is £57.45 per week.
• To lease a car through the Motability Scheme, you must have at least 12 months’ award length of the HRMC DLA remaining.
Enhanced Rate of the Mobility Component of Personal Independence Payment (ERMC PIP)
• The Government has started to replace Disability Living Allowance (DLA) with a new benefit called Personal Independence Payment.
• This is for for disabled people aged between 16 and 64.
• The Motability Scheme works with PIP in the same way as is it does with DLA.
War Pensioners’ Mobility Supplement (WPMS)
• This allowance is provided by Veterans UK.
• As of 8 April 2015, this allowance is £64.15 per week.
Armed Forces Independence Payment (AFIP)
• A new allowance called Armed Forces Independence Payment (AFIP) was introduced as part of the Welfare Reform Act 2012.
• As of 8 April 2015, this allowance is £57.45 per week.
(You can also apply if you are the parent/carer of a child over the age of three who receives one of these benefits.)
What happens to your Motability Vehicle if you are getting DLA and claim PIP instead?
• Your mobility will be reassessed when you move to PIP. You’ll only qualify for the Motability Scheme if you’re given the higher rate for mobility (known as the ‘enhanced rate’).
• This rate is harder to get on PIP, which means you might not be able to keep your vehicle.
• If you are asked to return your Motability vehicle, you won’t have to give your vehicle back straight away. You can keep it for 7 weeks after the date on the DWP decision letter.
• However, transitional support is available from Motability, including a one off payment of up to £2,000 if you return the vehicle in good condition and on time. You will also be offered the opportunity to buy your car.
• You’ll be entitled to compensation from the Motability Scheme when you return your vehicle. How much you’ll get depends on how long you’ve had the vehicle and the condition it’s in.
• If you got a lower rate than you expected, you can ask the DWP to reconsider the amount of PIP they have decided to give you. You need to do this within one month of the date on your decision letter.
Motability may be able to offer financial help, known as a ‘grant’, to Scheme customers who are unable to afford the mobility solution they need. The Charity considers every grants application individually and carefully, and take into account a wide range of factors, which include:
• Your disability or impairment, and how it impacts your mobility.
• Your household circumstances.
• Any equipment you need to regularly travel with.
• Your financial means.
If you already have a Scheme vehicle that meets your needs, an application for financial help towards a new vehicle will not be considered.
How to join the Motability Scheme
Steps to Choosing Your Vehicle
1. Pricing Options
• Around 150 cars cost less than your mobility allowance. These cars are available at a fixed weekly amount for the whole of your lease agreement. The remainder of your allowance, including any annual increases, will be paid directly to you by the DWP/Veterans UK (depending on the type of allowance you receive). You can search for these cars on the Motability website using the car search tool.
• You can increase your choice by over 400 cars, by choosing to exchange all of your weekly mobility allowance. This payment will include any increases in your allowance during your lease. You can search for these cars on the Motability website by choosing the ‘Show cars using all of your mobility allowance’ option on the car search tool.
• To have a wider choice, you can choose to add to your weekly mobility allowance by paying a one-off upfront Advance Payment. You can search for these cars by choosing the ‘Show cars using all of your mobility allowance’ option on the car search tool and selecting an Advance Payment range which you’re comfortable with.
• The transferal of your allowance to pay for your vehicle can be arrange through your dealership.
– Information about advanced payment:
• This is a payment made upfront to your Motability dealer, on top of your weekly Mobility allowance.
• Advanced payment is typically used for larger vehicles like MPVs. The advanced payment represents the difference between the amount of Mobility allowance covers over the three years and the cost of the car that you choose.
• The Advanced payment is calculated considering the cost of the vehicle and the cost of maintaining and servicing this vehicle.
• The amount for the advanced payment is usually paid in one lump sum. If you are asked to make a deposit, the amount of the deposit must be deducted from the lump sum. This sum must be paid either on the day before you collect your vehicle or on the day.
• If you would like any optional extras like electric windows and/or air conditioning, this will increase the amount that you will need to pay to your dealer upfront.
2. Suitability of Vehicle
• It is important to consider the types of journeys you will be making in your Motability vehicle. E.g. will you be making long or short journeys? Do you live in a congested and busy area? Do you have a large family? MPVs are more suited for families and a smaller car may be more convenient for you if you will only be making shorter journeys. For more guidance on this, you can speak to your dealership or visit the Motability website. Click here for more information on different types of cars. Click here for a choosing car checklist.
3. Booking a Test Drive
• It is always advisable to take a test drive of any vehicles you may be interested in leasing. To do this you should contact your local dealer and ask to speak to the Motability Specialist, and they will arrange this for you.
• While taking the test drive you should take note of the ease of access e.g. is the vehicle easy to get in and out of? Are the doors easy for you to reach and are they wide enough? Let your dealer know your thoughts and they will suggest improvements or alternative vehicles for you.
• Click here for a test drive checklist.
4. Ordering Your Vehicle
The Motability specialist at your dealer will process the order on your behalf, however you do need to have prepared:
• Your Driving License if you wish to drive.
• Certificate of entitlement from either DWP or SPVA.
• Proof of address (e.g. recent utility bill or bank statement).
• Named drivers’ driving licences and consent for their details to be checked against the DVLA driver licence database (if your named driver is unable to come with you to the dealership, they must complete a Driver Consent Form
• Details of any previous accidents and driving convictions that you or your named drivers have.
You should be there to place the order yourself, unless you have a legal appointee to represent you.
As part of the ordering process, you and your drivers will need to sign a Statement of Responsibilities. This document simply confirms that you understand and agree to abide by the Scheme rules around car usage.
Collecting Your Vehicle
You can either collect your new vehicle or have it delivered to you, this depends on the type of vehicle that you have chosen. You will sign your lease agreement at this point, and the dealer will give you a ‘tour’ of the vehicle before you take it away.
Remember, all adaptations must be completed before you take the car away, otherwise you will have to fund these adaptations yourself.
How Your Vehicle Can Be Used
• The car is used by, or for the benefit of, the disabled person. This means other named drivers in the household can use the car for routine activities without the disabled person present, as long as the disabled customer will benefit.
Information for Carers and Appointees
• Appointees are solely responsible for collecting state benefits for the disabled person and for deciding how they are used. They are assigned by the Department for Work and Pensions (DWP) or Veterans UK, and are usually a family member. An appointee may be needed when the disabled person is under 16 years old or unable to look after their own affairs. If you are unsure if you are an appointee, you can check directly with the DWP on 03457 123456 or Veterans UK on 0808 191 4218.
• As an appointee, you would be the hirer of the Motability Scheme vehicle and legally responsible for the lease agreement, on behalf of the disabled person. It’s therefore your responsibility to ensure that the Scheme car is used for the right purpose and that the disabled person has full access to it. You also take full responsibility for any outstanding monies for the Scheme lease agreement.