Wednesday, June 15, 2022

Do You Pay Insurance On A Mobility Car

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The driver must be with you when you contact us so they can give consent for the DVLA to check their details.

We need their full name, date of birth, driving licence number and date they passed their driving test. We also need full details of any endorsements, driving restrictions, motoring convictions, claims and driving bans or disqualifications within the last five years.

Drivers in England and Wales can find these details on the GOV.UK website . Drivers in Northern Ireland can find these details on the paper counterpart to their photo driving licence. We will only accept drivers who have a legally valid driving licence. Drivers with a non-UK driving licence will be subject to extra checks and conditions.

All proposed drivers will be subject to Motability’s policies on who can drive your vehicle. They must also meet our eligibility rules. This is regardless of whether they’re added at application or during your lease.

Please note, drivers on your policy are not automatically transferred over to a new vehicle. You will need to add them on to your new vehicle if you wish them to drive.

You can have up to three drivers at any one time on the policy. If you already have three drivers on your policy you will need remove one to add another.

What Are The Best Cars On Motability

The Motability scheme offers a choice of cars from all of the major automotive brands. A wide range of vehicles is available on Motability, from city cars to family cars, SUVs and executive models. There is also a small number of electric cars to choose from.

The cheapest cars require no advance payment and are covered entirely by your mobility allowance. For example, many versions of the Skoda Fabia a former What Car? Car of the Year are available for the total cost of the mobility allowance.

To see our full rundown of the best small, cheap cars to lease on Motability, as well as the ones to avoid, . And remember, you can always find our What Car? verdicts on new cars by heading to our reviews section.

To find out more about leasing through Motability, watch the video below.

For all the latest reviews, advice and new car deals, sign up to the What Car? newsletter here

What Are The Benefits Of Motability

The package that Motability offers includes insurance, servicing and maintenance, and breakdown cover that’s provided by the RAC. Motability can also take care of your annual car tax. In short, many of the additional costs of running a normal car are accounted for.

A mileage limit of 60,000 miles over the three-year lease period is placed on Motability cars if your car exceeds this mileage, you’ll have to pay 5p for every additional mile.

If you need adaptations made to a vehicle, for example, hand controls, steering aids and pedal modifications, most are offered for free under the Motability scheme. Wheelchair users are also catered for, and Wheelchair Accessible Vehicles are offered on a five-year lease, with a total mileage limit of 100,000 miles.

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What Do I Need To Bring With Me To The Dealership

When you visit a Motability dealerships to place an order you will need to bring with you:

  • Your Certificate of Entitlement to prove you are currently in receipt of the allowance
  • A recent utility bill
  • The driving licence of the driver
  • If there’s going to be a nominated driver or drivers, they will ideally need to be present and have their driving licence with them.

    Do You Need To Pay For Tax On A Mobility Scooter


    No, you do not need to pay for tax on a mobility scooter, however, you may need to register it with the DVLA.

    You do not need to register a Class 2 Invalid Carriage with the DVLA.

    However, it is a legal requirement to register Class 3 Invalid Carriages with the DVLA as they exceed 4mph and are designed for use on the road.

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    I Have An Appointment With A Mobility Driving Advisor Will This Go Ahead Whilst Coronavirus Restrictions Are In Place

    Our Mobility Driving Advisors are carrying out home visits in accordance with government guidance and any local restrictions. If we are unable to complete your visit, we will contact you. To find out how we carry out home visits safely, take a look at our short video Your Driving Assessment, Your Peace of Mind located on our Coronavirus page, which explains the safety measures that we have put in place.

    What Is Normal Wear And Tear

    We would expect that three years of motoring would result in some light scuffing, scratching or stone chipping to your car, particularly on the bodywork, wheels, interior trim and luggage areas. Damage caused by wheelchairs, callipers, crutches or walking sticks would also be classed as fair wear and tear and we would not expect it to be repaired.

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    How Much Does A Mobility Car Cost

    The cost of a mobility car will depend on which one you choose. As mentioned, there are up to 2,000 cars available on the scheme. Around 80 of these cost less than the mobility allowance and around 140 cost the same. This means theres a choice of around 220 cars where you wont need to pay a thing besides the fuel you use.

    If you wish, you could choose a car thats more expensive than your allowance and make up the cost yourself. This would need to be paid as a one-off lump sum known as an advance payment.

    Vehicles that require no advance payment include Renault Zoe Iconic, SEAT Leon, Fiat 500 and Mini Cooper. Some vehicles, such as a Ford Focus, start from £45. More expensive vehicles include Mercedes-Benz and BMW, which require an advance payment of at least £1,119. Once the advance payment has been paid, the rest of the payments will be covered by the Motability Scheme so you dont have to worry about it.

    Advance Payments For Wheelchair Accessible Vehicles

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    All new WAVs come with an Advance Payment to cover the cost of the five-year lease. The Advance Payment varies across the range of WAVs from a few hundred to several thousand pounds. If youre looking for a more affordable way to lease a WAV then a Nearly New WAV might be for you. Nearly New WAVs have a lower Advance Payment than the equivalent new WAV and are sometimes available at no Advance Payment. Speak to the relevant WAV converter for more information.

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    Is There A Motability Scheme Customer Magazine

    All Motability Scheme customers can receive a free copy of Lifestyle magazine every three months. By reading Lifestyle, you will be able to catch up on the latest news from Motability and the Scheme. Read latest issue of Lifestyle online.

    If you are mid-way through your lease and arent receiving Lifestyle but would like to, or you would like to stop receiving it, please contact Motability Operations.

    Lifestyle is published on behalf of Motability by Wonderly, part of Haymarket Media Group, Bridge House, 69 London Road, Twickenham, TW1 3SP.

    Standard Features To Look For In A New Passenger Vehicle

    Before purchasing a new vehicle, always sit in it first to make sure you are comfortable.

    Check to see that you can enter and exit the vehicle with ease. If possible, take it out for a test drive. How well does the car fit your body? To prevent air bag-related injury, you should keep 10 inches between your breast bone and the steering wheel, which contains the drivers side air bag. At the same time, youll need to be able to easily reach the pedals while maintaining a comfortable line of sight above the adjusted steering wheel. Also, make sure the vehicle provides you with good visibility in all directions front, rear, and sides. Your dealer can demonstrate the use of adaptive features, such as adjustable foot pedals and driver seats, which can help ensure a good person-vehicle fit. Check to see if the model you are considering purchasing has good crash test results and is resistant to rollover. Visit our Ratings section or call NHTSAs Vehicle Safety Hotline at 888-327-4236 to obtain government crash test results and rollover ratings for specific makes and models.

    When selecting a vehicle, look for and ask about available features designed to improve both the comfort and safety of drivers with disabilities. Some of these features are:

    • High or extra-wide doors
    • How long will it take to modify the vehicle?
    • Can the equipment be transferred to a new vehicle in the future?
    • Will existing safety features need to be modified to install the adaptive equipment?

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    Are Your Partner Services Open To Help If I Need Them

    The RAC are on hand to help if you have a breakdown and need emergency help. Please call 0800 73 111 73

    Our insurance partner RSA Motability can help with any insurance queries. Please call 0300 037 3737

    Kwik Fit centres are open, they can also offer a mobile service. Call the Tyreline on 0330 123 1531 or to book a mobile appointment call 0330 123 1533. If you are planning to visit a centre please call the Tyreline in advance to make an appointment.

    What About Servicing And Repairs For My Scooter Or Powered Wheelchair

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    Your dealership will be in touch to carry out any non-essential service, maintenance and repair work.

    If you require any urgent repairs to your scooter or powered wheelchair, please contact your dealer directly to see what they are able to arrange for you. If your dealership is closed, or unable to complete the repairs, then contact us on 0300 456 4566 so we can discuss alternative options.

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    Motability Scheme Changes: What You Need To Know

    Over 600,000 people around the UK currently benefit from the independence and options that come with the Motability Scheme.Those living with a disability, long-term illness, or a mental or physical health condition and receive specific benefits from the Department for Work and Pensions can utilise the mobility component ofRead More

    What Happens If I Am Awarded The Enhanced Rate Of The Mobility Component Of Personal Independence Payment

    The Motability Scheme works with Personal Independence Payment in the same way as it does with Disability Living Allowance . The Motability Scheme enables disabled people to lease a new car, scooter or powered wheelchair. If you receive one of the following allowances, with at least 12 months remaining, you may be eligible to join the Motability Scheme:

    • Enhanced Rate of the Mobility Component of PIP
    • Higher Rate Mobility Component of Disability Living Allowance
    • War Pensioners Mobility Supplement

    Find out more about the Motability Scheme .

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    Where Do I Get A Motability Car From

    Many dealerships have a dedicated Motability area and specialist salespeople to cater for the needs of customers. They can show you specific features of a car, or suggest models that can cater for your requirements – whether thats a must-have feature or a model that will be particularly easy to get in and out of.

    These specialists tend to be your port of call throughout your lease. Motabilitys Find a Dealer page lets you filter by manufacturer and location.

    I Am An Existing Customer

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    If you are applying for a Charitable Grant towards a new vehicle, you can apply from four months before the end of your current Scheme lease. If you are applying for a Charitable Grant towards a new Wheelchair Accessible Vehicle on the Motability Scheme, you can apply from six months before the end of your current Scheme lease.

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    Evaluating Passengers With Disabilities

    Driver rehabilitation specialists may also provide advice on compatibility and transportation safety issues for passengers with special needs. They determine the type of seating needed and the persons ability to enter and exit the vehicle. They provide advice on the purchase of modified vehicles and recommend appropriate wheelchair lifts or other equipment that would work in your vehicle.

    If you have a child who requires a special type of safety seat, evaluators make sure the seat fits your child properly. They also make sure you can properly install the seat in your vehicle. The American Academy of Pediatrics or your pediatrician can provide information on the safe transportation of children with special needs. You can also visit the AAP Web site to access information about car safety seats for children with special needs.

    • Does the vehicle have the cargo capacity to accommodate the equipment you require?
    • Will there be enough space and cargo capacity to accommodate your family or other passengers once the vehicle is modified?
    • Is there adequate parking space at home and at work for the vehicle and for loading/unloading a wheelchair?
    • Is there adequate parking space to maneuver if you use a walker?
    • What additional options are necessary for the safe operation of the vehicle?

    What Should You Look For To Get Handicap Vehicle Car Insurance Coverage

    If you are a disabled driver with a wheelchair accessible vehicle, you are entitled to coverage, as long as your disability does not interfere greatly with your ability to drive safely.

    The law protects physically challenged persons just as it protects those who are not.

    You must shop and compare insurance plans and fully disclose your disability, to get the best rates on your insurance.

    The U.S. Equal Employment Opportunity Commission says that discrimination does not occur if insurance companies make their decision on your coverage on vehicle modifications, an extreme disability that increases your risk factor, or other situations that raise your risk level.

    However, if you present the proper information regarding your handicapping condition, communicate with and ask questions, and compare policies, there is no reason why you cannot obtain suitable insurance for your wheelchair accessible vehicle.

    Remember that your disability does not excuse you from following the law, and you are still fully responsible for driving safely and obeying all traffic rules.

    Before you ever set out on the road, make sure you have your car covered. At the very least, that means liability insurance. The Insurance Information Institute has compiled a list of liability requirements for each state. Search for your state below to see what youre required to have.

    Liability Car Insurance Requirements by State


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    Getting A Vehicle Through Motability

    You can lease a car, scooter or powered wheelchair through the Motability Scheme if youve been awarded:

    • the higher rate mobility component of Disability Living Allowance for 12 months or more
    • the enhanced rate mobility component of Personal Independence Payment for 12 months or more
    • Armed Forces Independence Payment
    • War Pensioners Mobility Supplement

    You pay to join the scheme using the mobility components of your DLA or PIP. The scheme does not pay for your fuel, but does cover:

    • insurance, including tyre and windscreen replacement cover
    • breakdown cover
    • vehicle tax

    If you are not a member of Motability, you will have to cover the costs of owning your vehicle.

    Who Can I Put On The Insurance And Can They Drive For Me

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    Your policy includes cover for up to three drivers at no extra cost. These can be yourself, friends, relatives or carers. All proposed drivers will be subject to Motability’s policies on who can drive your vehicle. They must also meet our eligibility rules. This is regardless of whether they’re added at application or during your lease.

    We will only accept drivers who have a legally valid driving licence. If any driver has an issue with their driving licence, such as ongoing medical investigations, please contact us as soon as possible. Only drivers listed as permitted drivers on the Certificate of Motor Insurance are covered to drive your Motability vehicle.

    Remember, the disabled person must use or have the benefit of the vehicle. This does not mean that they need to be in the vehicle for every journey. Other named drivers in the household can use the vehicle for shopping and other routine activities, if the disabled person will benefit.

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    Do I Need To Keep My Scooter Or Powered Wheelchair At My Address

    You don’t need to store it at your home address when it’s not in use. It is, however, a requirement of your policy that you secure it when left unattended. This includes secure overnight storage and communal buildings.

    If you can’t secure it in a building when it’s left unattended, you should ensure that it’s locked and secured to an immovable object by a padlock, chain or other suitable security device.

    The Mot Is Due On My Car What Should I Do

    MOTs must be completed as normal. Your dealer should be in touch to arrange this, but please contact them directly if your test is due and you have not heard from them. If they are unable to complete your MOT for any reason, you can contact Kwik Fit and make an appointment at one of their centres.

    If you are unsure when your MOT is due, you can check this at

    If your MOT has expired, it can legally only be driven to a pre-booked MOT appointment. You will need to arrange this with your dealer, or with Kwik Fit at one of their centres.

    If you are self-isolating you should book the MOT for after the period of self-isolation is over, or ask a named driver to take the vehicle to be tested.

    Please note, if you are due to hand back your car, the MOT will need to be completed before your lease ends.

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