About the Motability Scheme

How does the Motability Scheme work?

The Motability Scheme enables anyone who receives either the Higher Rate Mobility Component of Disability Living Allowance (HRMC DLA), the Enhanced Rate of the Mobility Component of Personal Independence Payment (ERMC PIP), the War Pensioners’ Mobility Supplement (WPMS) or the Armed Forces Independence Payment (AFIP) to lease a new car by exchanging their government funded mobility allowance.

What's included on the Motability Scheme?

  • A new car every three years
  • Insurance from RSA Motability (RSAM)
  • Full Breakdown assistance from RAC
  • Servicing, maintenance and repairs
  • Adaptations, many at no extra cost
  • Annual car tax
  • Window & Windscreen repair / replacement
  • 60,000 mileage allowance over 3 years

What's not included on the Motability Scheme?

Although almost everything is included, please note you will be responsible for paying the following:

  • Fuel and consumables; such as screen wash
  • Optional extras not fitted as standard; such as leather seats
  • Adaptations; some need an additional payment
  • Insurance claims; an insurance excess will apply on any claim for loss or damage. This excess amount varies depending on the age and experience of the driver (full details can be obtained on application).
  • Fines; any parking or speeding fines are your responsibility
  • Theft of, or damage to, personal belongings; these include wheelchairs, coats or mobile phones (full details can be obtained on application).


Am I Eligible?

To be eligible for the Motability Scheme you must be in receipt of one of the following, as well as have at least 12 months' award length remaining. The Attendance Allowance cannot be used to lease a car through the Scheme.

Higher Rate Mobility Component of Disability Living Allowance (HRMC DLA) - As of 14th April 2021, this allowance is £62.55 per week.

Enhanced Rate Mobility Component of Personal Independence Payment (ERMC PIP) - As of 12th April 2021, this allowance is £62.55 per week..

War Pensioners' Mobility Supplement (WPMS) - As of 14th April 2021, this allowance is £69.85 per week.

Armed Forces Independence Payment (AFIP) - As of 14th April 2021, the mobility element of the allowance is £62.55 per week.

Choosing your vehicle

When choosing a new vehicle, there is a lot to consider, including cost, suitability and fuel consumption. 

When choosing a car, there are a few things to consider. Taking time to work out how you will use your car, the types of journeys you regularly make plus considering the things that are important to you in a car can help you choose a vehicle which will best meet your needs. Watch our video for more on what to consider when choosing your vehicle.

What types of journeys will you make?

For example, will you:

  • Visit local friends or family
  • Do your weekly grocery shop
  • Travel to hospital appointments
  • Take children to school
  • Drive in slow traffic to work
  • Drive long distances on holiday?

Other things that you may need to take into account include:

  • How many people are going to travel in the vehicle regularly?
  • How much motorway driving will you be doing?
  • Do you live in a busy town or city?
  • Is parking a problem?
  • Are you able to change gear easily?
  • If you have a mobility aid, will it easily fit in the vehicle?
  • Do you need to take your scooter or wheelchair with you?

If you live in a big city for example, and the car is used mainly for short journeys, a small city car may suit you. If you have a big family, you may want to consider a large family car or MPV. If you find it difficult to change gear easily, an automatic might be a good choice.

Small changes in specification can have a big impact on your comfort or the car’s suitability. For example, seat height, door opening angle and positioning of the seat belts can all make a big difference.

If you'd like any advice or help on anything mentioned talk to your local Motability Specialists.

Wheelchair Accessible Motability Vehicles (WAV)

Choosing a Wheelchair Accessible Vehicle is a big decision to make and we want to help you find a vehicle that will meet your needs now and in the future. Wheelchair Accessible Vehicles (WAVs) are vehicles that are specially converted so a wheelchair user can travel either as a passenger or a driver without needing to transfer out of their wheelchair. Size, shape and design of WAVs will vary depending on the original vehicle that is used for the conversion and the company that converts it.

Once you’ve chosen the vehicle you’d like to convert, we can put you in touch with a WAV converter, who will take care of adapting the vehicle to suit your needs.

Is a WAV right for you?

If you are no longer able to transfer from your wheelchair to a car seat, or if your carer can’t lift you, then a WAV could be the solution. Motability UK has over 20,000 WAV customers who value the independence their WAV gives them. However, a WAV might not be right for everyone and you should weigh up the pros and cons.

What are the other options?

There are alternatives available if you don’t feel that a WAV is the right vehicle for you – but it’s important that any vehicle you choose supports your needs now and for the duration of your lease.

If you are able to transfer out of your wheelchair without it causing too much discomfort then a standard car fitted with adaptations may be a better choice. Adaptations such as a transfer plate, person hoist or swivel seat could help improve your access to a car. There is also a wide range of adaptations available that can help you stow your wheelchair or scooter, such as a boot hoist or rooftop stowage box.

Can I drive a WAV myself?

If you would like to drive a WAV yourself, there a few types of vehicle that can be converted to allow this. These vehicles require driving adaptations tailored to suit your individual needs and you will need to get more specific advice. However, it’s important to remember that these vehicles are an expensive option and take much longer to arrive.

Ordering your vehicle

Once you have ordered the right vehicle for you, your Motability specialist will complete your order with you using our simple online system. Motability will then send you an acceptance letter containing your Personal Identification Number (keep this safe as you need it to collect your vehicle).

Motability Price Guarantee

Our price lists are updated every three months, so you can rest assured you’re getting the best prices from each manufacturer. 

When are the Motability prices updated?

Please note if the 1st of these months falls on a weekend or bank holiday our prices will be updated on the next working day.

  • 1st January
  • 1st April
  • 1st July
  • 1st October

This means the Advance Payment on a car can change throughout the year. We operate a price guarantee, which means the Advance Payment of the car on the date your order is accepted won’t change, even if it changes while you are waiting for the delivery of your car.

What optional extras are available on Motability vehicles?

Choosing a car with optional extras such as electric windows or air conditioning will increase the amount you need to pay to your dealer upfront.

If you are a WAV customer, your WAV converter will be able to give you a price for extras such as parking sensors or separate air conditioning controls for the back of the vehicle. But please note that payment for these will be dealt with separately from the Motability Advance Payment.

Any adaptations ordered will be outlined in the customer acceptance letter we send with your PIN. The cost of any adaptations, less any grant awarded, is payable directly to your dealer together with the Advance Payment before you take delivery of your car.

Can I trade in a privately owned vehicle to get a Motability vehicle?

If you are new to the Motability Scheme, you can trade-in your privately owned car to help finance the Advance Payment of your new car. Contact one of our Motability Specialists for more information.

Find your nearest dealer

Once you’ve worked out what’s important to you in a vehicle, the next step is to visit one of our dealers. You can discuss your preferred options with a fully trained Motability specialist and arrange a test drive. We will also discuss whether optional extras or adaptations might help make driving easier or more comfortable.