In the UK if you receive the mobility section of Disability Living Allowance (at the higher rate) or War Pensioners’ Mobility Supplement, you can get help with the costs of leasing a new car under the Motability scheme.
This government-backed scheme enables disabled people to lease new cars without having to worry about how they can fund the car or other motoring-related costs such as insurance and breakdown cover.
If you are disabled and you would like to know more about the scheme, or perhaps you are a carer for a disabled person and would like to get a new car on their behalf, here is what you need to know about the Motability scheme.
Who runs the Motability scheme?
Motability is a scheme funded by the UK government and managed by a registered charity. They are a not-for-profit organisation that aim to help disabled motorists get on the road by helping them to finance a car suitable for their individual requirements.
According to the charity, they have more than 600,000 customers which they have helped to drive on the roads of Britain once again, and they have been helping disabled motorists for more than 30 years now.
How does the Motability scheme work?
Car financing can be somewhat difficult to obtain for disabled motorists, but thanks to the Motability scheme a disabled person’s mobility allowance can be exchanged for a brand new car, as well as a scooter or powered wheelchair.
Even if you can’t drive, you can nominate two individuals such as carers or relatives to drive on your behalf. And should you be the parent of a disabled child, you can also choose to lease a car on their behalf too.
What are you entitled to under the Motability scheme?
Cars that are provided under the Motability scheme offer a number of benefits to disabled drivers or people that nominate others to drive for them, such as:
- A new car every three to five years;
- Fully comprehensive insurance cover;
- Servicing and maintenance;
- RAC breakdown cover;
- Tyre and windscreen replacements;
- A whole host of adaptations available at no extra charge.
When you buy a new car through the Motability scheme from car dealers such as Eastern Western, you are normally given a mileage allowance of 20,000 miles per year (longer for wheelchair-accessible vehicles) under the terms of the leasing agreement.
The only things you have to pay for are the lease of the car itself (which is technically paid for out of your mobility allowance) and fuel costs – i.e. petrol or diesel.
Is it worth getting a new car under the Motability scheme?
Yes, because the last thing a motorist needs to worry about is whether something might fail on the car they are driving due to the vehicle being of such an old age. It also represents excellent value-for-money, as the only thing you have to physically pay out of your own pocket is fuel.
If you bought a brand new car through any other type of leasing agreement, you would have to bear the extra costs involved.