Not everybody will have the ability to profit from the scheme, however many can, and it is value checking simply in case
Individuals have been advised that they could profit from the scheme (Picture: Getty)
In the event you obtain a incapacity or health-related profit that impacts your mobility, you might be able to lease a car by way of Motability. However not everyone seems to be eligible for the scheme.
Consultants at Residents Recommendation word that individuals have the choice of leasing automobiles, mobility scooters and powered wheelchairs and stress that the car stays the scheme’s property. You might be simply masking the price of leasing it.
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In case your profit funds cease, you’ll have to return the car. So, what are the eligibility guidelines and what prices are lined? Right here’s what you might want to know.
Motability scheme – who’s eligible?
Disabled individuals who obtain any of the next authorities advantages can decide to make use of their allowance to lease a car by way of the Motability Scheme.
Residents Recommendation says you want a minimum of 12 months left in your profit to use for a Motability car. In the event you’re not sure, verify your profit determination letter.
You can’t apply for a Motability car in case you’re getting DLA and the Division for Work and Pensions (DWP) has despatched you a letter saying you might want to apply for PIP. You’ll not be affected if you have already got a Motability car.
Residents Recommendation additional explains: “Your profit will go on to the Motability Scheme every month to pay in your lease. How a lot of your profit will go in direction of your car will depend upon which one you select.”
It says you will have to pay an upfront payment for a costlier car, although monetary assist may be accessible relying in your scenario.
In addition to your car, you’ll get:
insurance coverage, together with tyre and windscreen substitute cowl
breakdown cowl
car tax
servicing and upkeep
diversifications if wanted – discover out in regards to the methods you may adapt your car
Can I take advantage of this car for work?
If you wish to use your Motability car for work, you might want to get permission from RSA Motability. In some instances, enterprise use could also be allowed, resembling in case you’re a travelling salesperson. Sure varieties of work usually are not permitted, resembling utilizing the car as a taxi or for supply companies. To use, you’ll have to contact RSA Motability in writing or by cellphone and request a “Enterprise Use Utility Kind.”
You could find all the recommendation and steps you might want to get a car right here.
You may see recommendation right here for Northern Eire, Scotland and Wales. It’s value noting that as of July, some modifications will come into pressure.
Motability modifications from July 2026 – what you might want to know
Individuals on the Motability Scheme have been warned that new tax guidelines beginning July 1 could make leasing new automobiles costlier.
The Motability Basis introduced in a press release final month: “Final yr, within the UK Authorities’s Autumn Finances, tax modifications have been introduced that may have an effect on the Motability Scheme. From 1 July 2026, VAT and Insurance coverage Premium Tax (IPT) will apply to leases on the Motability Scheme.
“Consequently, leasing a car will grow to be costlier and it’ll price considerably extra to ship the Scheme. For purchasers who have already got a lease on the Motability Scheme nothing is altering proper now.” Officers confirmed that the modifications will likely be applied all through the UK, besides in Scotland.
You may learn in regards to the replace right here.
In accordance with the Basis, their influence is as follows:
- 860,000 disabled folks use the Motability Scheme.
- 87% say the Scheme improves their entry to well being companies.
- 76% report that it means they don’t must depend on others to assist them make a journey.
- 27% have improved entry to schooling.
- 21% had improved entry to employment alternatives. Scheme prospects in employment report working an additional 14 hours per week, on common.
- In 2024/25, we supported 10,473 folks with grants so they may entry the Motability Scheme – value £59.3 million.
- In 2024/25, we supplied grants to 31 different charities and organisations who help disabled folks to journey in numerous methods – value £14.7 million.
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