How does the Motability scheme work?

For those with a disability, having transport that meets their needs is an absolute necessity for leaving a rich and varied life. Without the means to travel under their own steam they are reliant on the help of others for the simplest of tasks such as shopping or visiting relatives. Disabled people have more than their fair share of problems to deal with, and getting around should not be a burden. It seems common sense that in our times those facing such difficulties should be able to access the best of equipment that is modified to meet their specific needs.

Thankfully in the UK we have the Motability scheme to address such concerns. Currently, over 590,000 individuals in the UK rely on Motability for their travel needs. Around two thirds drive their own vehicle, but those who do not drive can get a car as a passenger. Parents and caregivers to a disabled child are also eligible once they reach the age of three.

The Motability Scheme enables disabled people to exchange either the Higher Rate Mobility Component of their Disability Living Allowance or their War Pensioners’ Mobility Supplement to obtain a new car, powered wheelchair or scooter.

The disability living allowance is not means tested and is designed to help towards the costs that those with disabilities face. It is split into two components, mobility and care with the mobility component split into two different rates; lower and higher. The Motability scheme is accessible to anybody who receives the higher rate mobility component of Disability Living Allowance or a War Pensioners Mobility Supplement.

Those eligible for Motability can choose any car every three to five years, and insurance, road tax, servicing, tires and breakdown cover are all included in a single monthly payment that is made that would automatically by the Department for Work and Pensions. At the end of it of an individual contract, customers can choose to have a brand-new vehicle. Customers also have the option to purchase their current vehicle directly from Motability for their own use or for the use of a friend. Many vehicles are available that do not require the customer to pay anything above the allowance they are entitled to receive from their higher rate notability grant. Motabiltity customers may also choose to opt for a higher specified model with an additional payment.

Many disabled people will require modifications to their vehicle, and have no option but to choose a vehicle that requires an additional payment. Those needing such special adaptations are means tested. Modified pedals or acceleration leavers are now included in the scheme, meaning customers do not have to face any additional costs.

If your needs are not met by the Motability scheme or you wish to purchase a vehicle they will not insure, specialist insurers like Chartwell are experienced in catering to the needs of disabled drivers and will even count driving experience under the Motability Scheme towards a no claims bonus.