Motability Scheme Explained
The Motability Scheme is nearly forty years old; however I’d forgive you if you’d never have heard of such a thing.
11:26 22 June 2016
The Motability Scheme is nearly forty years old; however I’d forgive you if you’d never have heard of such a thing. I hadn’t until a couple of years ago. It’s a government backed scheme that essentially allows you to exchange your monthly disability allowance for a lease on a vehicle. Below is a break-down of the scheme and everything you’ll need to know if you’re thinking about getting a Motability car or vehicle.
These are the allowances eligible for the scheme:
- HMRC DLA
- ERMC PIP
If yours isn’t featured, then speak to the scheme directly to find out why.
People who are familiar with the scheme tend to believe it’s just about cars, and whilst there are some great mobility offers on cars out there, the scheme also covers electric scooters and powered wheelchairs, meaning you can use the scheme to get mobile in any way you wish.
As well as getting a new vehicle, the scheme also covers many other associated costs as well.
· Insurance – The scheme also covers insurances from RSA Motability; a specialist Motability insurance company, so you needn’t worry about the cost to insure the car.
· Breakdown Cover – If you break down, you won’t be left to your own devices. The scheme has breakdown assist as part of the deal.
· Maintenance – This includes servicing and any repairs that need doing; all free of charge.
· Adaptations – Whilst the majority of Motability cars are built with disabled people in mind, you may need specific additions made. Some of these will need to be paid for, however the scheme understands that additions need to be made and so will cover a lot of them financially.
More than One
Unfortunately, it isn’t possible to lease more than one of the vehicles (car, scooter, wheelchair) at one time; however, because the cost of one of them has been covered by your allowance, you might then be able to afford one of the others as well, if needed – just not under the scheme.
End of the Lease
Some people believe that at the end of the leasing period, the car automatically transfers ownership to them, this is not the case. The car/vehicle will remain the property of Motability, indefinitely. When your lease period of three years is up, you will have one of three options:
· Lease another car through the scheme. This means you won’t get bored of the same vehicle as every three years you’ll get the chance to upgrade.
· Of course you can also keep your current car, by simply extending the lease.
· If you find you no longer have need of a Motability vehicle you can always return it at the end of the lease and your allowance will resume like before.
If you have any other questions that have not been answered by this article then you can check out the FAQ page on the Motability website. This is a brilliant scheme that is helping hundreds of people up and down the country.
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