The Motability Scheme is a great way of keeping mobile if you or a loved one has a disability. It covers everything from electric wheelchairs to wheelchair-adapted cars.
To qualify, you have to be claiming one of 4 higher rate mobility allowances – Disability Living Allowance (DLA), Personal Independence Payment (PIP), War Pensioners’ Mobility Supplement (WPMS) or the Armed Forces Independence Payment (AFIP) – and have at least 12 months remaining on your award.
The Motability Scheme doesn’t just cover the cost of the car, either – it includes insurance (for up to two named drivers), servicing, roadside assistance and the cost of many popular adaptations (like hand controls) when fitted at the start of the lease. The only thing you pay for is the petrol.
You can check your eligibility by completing our Motability Scheme eligibility survey. Alternatively, you can visit the Motability Scheme website for information on pricing. There is a huge range of cars available through the Motability Scheme – nearly 2000 different models, actually – from practical and spacious SUVs to small cars ideal for nipping to the shops in. Here our experts put together five of the best.
If you want a well-built, economical car but don't fancy a diesel the stylish Toyota Corolla is a great candidate for your Motability car shortlist. It's comfortable and has a plush interior too.
The Citroen C5 Aircross is one of the most spacious and stylish SUVs available through Motability. It's relaxing to drive and comes with a big boot, so it practical as well as comfortable.
The SEAT Tarraco is a well-equipped seven-seater SUV offered on the Motability scheme. There's (just) enough room for three adults in the middle row of seats and there's a massive boot when you fold the rearmost seats down.
The Skoda Karoq is a solid and practical SUV available through the Motability Scheme. It comes with plenty of safety kit too so is a great family SUV.
The Ford Focus is one of the highest-rated cars on carwow and is also offered on the Motability Scheme. It has lots of user-friendly tech, good space and good access and proves that a Motability car can be fun to drive too.
Some cars on the Motability Scheme require an advanced payment upfront in addition to the weekly mobility allowance. However some Motability Scheme cars require no such payment. Here our experts pick their top five.
For a small car, the Volkswagen Polo is very practical and has a distinctly upmarket feel to it. Two adults will be happy in the front and back seats, and the boot will also swallow a couple of large suitcases. The Polo’s comfortable on the motorway and country roads but also small enough to be easy to park in town, and its huge engine range has something for everyone. For all these reasons, it took our Little Legend award at carwow’s 2018 Car of the Year Awards.
The Mazda 2 has a smart-looking interior and has a range of efficient engines to keep running costs down. And the added bonus is that it comes with a £0 advance payment on the Motability Scheme.
Surprisingly spacious for a car of this site, the Hyundai comes with a decent amount of standard kit, good safety kit and you don't have to make the advance payment to get it on the Motability Scheme.
The Mini 5-door Hatchback is a smart-looking small car that’s brilliant to drive – proving you can still have fun with a no deposit Motability car. It has a surprisingly upmarket interior with a smart dashboard made from solid-feeling plastics and leather touches in high-spec models. It is practical for a Mini, but not that great compared with other cars.
A range of popular SUVs are available through the Motability scheme with no advanced payment, including the excellent Kia Sportage. It’s a practical family SUV with space for four adults and a boot that’ll cope with day-to-day and big jobs in equal measure. The Sportage is a very easy car to drive and comes with a range of engines that are cheap to run.
Anyone who is in receipt of one of the following higher rate mobility allowances can apply to join the Motability Scheme – Disability Living Allowance (DLA), Personal Independence Payment (PIP), War Pensioners’ Mobility Supplement (WPMS)or the Armed Forces Independence Payment (AFIP). Parents or guardians can apply on behalf of a child under 16. You just need to have at least 12 months remaining on your award to apply.
The choice through the Motability Scheme is huge – around 2,000 different models are available to lease. They include anything from small city cars to vans specially adapted to provide access for wheelchair users, called Wheelchair Accessible Vehicles (WAVs). Even sports car fans are available! Petrol and diesel options are widespread and there’s a selection of electric and hybrids for the eco-conscious drivers.
First, you go to the Motability website and use its Car Search tool to find the perfect car or WAV.
When you find the right one for you, click on "Find a dealer" to locate and contact your nearest dealer and arrange a test drive. (Don't forget to take your driving license, proof of address and certificate of your award with you!)
After the test drive, you can then order your car.
When you place the order for a car through the Motability Scheme, it will take a couple of days to process the application and check a few details. The timescales for the car itself can vary depending on the manufacturer and model you have chosen, but the dealer should inform you of the timescales, and any expected delays, when you place the order.
The Motability Scheme covers your car/WAV for "social, domestic and pleasure purposes". Basically, this means you can use the car for personal purposes and commuting to and from one workplace.
If you work in a few different places or need to drive about to visit customers or employees, you should contact RSA Motability and ask about covering your car for business use.
The Motability Scheme enables people in receipt of a higher rate mobility allowance to lease a car.
You can check your eligibility by completing our Motability Scheme eligibility survey.
Alternatively, you can visit the Motability Scheme website for information on pricing.
The Motability Scheme is designed to make the process as simple as possible for its customers, bundling insurance, breakdown cover and servicing costs all into one agreement. This means you only pay for the car's petrol. Lease payments are made directly from the relevant benefits agency (DWP or Veterans UK). To make sure you always get the most from your allowance, prices are negotiated and updated every three months.