The Motability Scheme offers cars to people who receive the highest level of the Disability Living Allowance. Instead of receiving this allowance weekly or monthly, you can put the money towards a mobility vehicle instead. A mobility vehicle can be adjusted to suit your specific needs and there are a whole range of vehicles that require no advance payment. All you have to do is organise your car insurance, and you’re free to use your car as and when you please. After the contract time is up, you can simply give the car back and either get a replacement or choose a new make and model altogether. You can continue to do this as long as you receive the allowance for.
If you’re wondering what cars are available via the scheme, you can find just a handful of examples below.
One of the many benefits of the Motability Scheme is that you’re not limited to just a few cars - there are hundreds to choose from that can suit your needs, whether you need something bigger to fit equipment in or to drive children around, or something that’s smaller and ideal for city driving.
You have a choice of small, medium and large vehicles, estates, SUVs and coupes, or even people carriers, so you’ll be sure to find something that you love and suits your lifestyle and needs. Some examples include:
The Dacia Sandero is a small hatchback vehicle that boasts five doors, and over 50 miles per gallon, making it quite fuel efficient too. It can comfortably seat five people and has features such as air conditioning, DAB radio and electric windows. It’s a very affordable car at a weekly rental price of £60 and no upfront payment.
The SEAT Ibiza is a compact hatchback, ideal for city driving in comfort. Due to the insurance groups that it falls under (two to 19), the Ibiza is relatively cheap to insure, so you don’t need to worry about overpaying for your insurance.
There are various models to choose from, ranging in engine size and with different features depending on which one you go for. The basic model comes with alloy wheels, Bluetooth connectivity and a height adjustable driver’s seat. The most expensive model would use up all of your weekly mobility allowance and you’d need to put down a £299 payment upfront.
There are a number of Ford Focuses available through the mobility scheme, so whether you’re looking for a hatchback or an estate, a petrol or a diesel, it’s likely that you’ll find the perfect Focus for you. These generally require a higher advance payment (£300 or over) however, this is because these models are more expensive than the ones listed above. If you prefer to drive an automatic, this is certainly an option too.
For those wanting a larger car or more boot space, the BMW 3 series saloon could be a good option. These do require a substantial down payment, however, it could be worth it for the comfort and luxury that these models offer. With a two-litre engine size and rear wheel drive, these cars are ideal for long-distance rather than city driving.
The Qashqai is a large SUV that’s great for people who may struggle to get in and out of low vehicles. Made for comfortable driving, a high position offers better visibility and the large boot space is ideal for those with families. This is yet another vehicle that doesn’t require any down payment and uses up your Disability Living Allowance in full.
There are hundreds of other vehicles available, and you can find them by searching the Motability website. Their search form allows you to specify exactly how much you can afford, how many doors you want the vehicle to have, whether it’s manual or automatic, the type of fuel it uses and how many seats it has. This should help you to narrow down the results and find the car that’s perfect for you.
Many of the cars in the mobility scheme either use up all of your weekly disability allowance or require a payment upfront. However, there are a handful of vehicles that may cost less than your full weekly allowance. Those on the highest disability allowance tier will receive £89.15 per month and so if any of this is left over, you’ll receive it as you would have done prior to getting the car.
The Dacia Sandero hatchback, as mentioned above, is one of the more reasonable vehicles within the scheme. It costs £48.25 per week out of your total £89.15 allowance. The Toyota Aygo has a weekly rental of £53.75, the Peugeot 108, £57.25, and the Citroen C1, £57.75. Each of these would mean you could still receive some of your disability allowance in cash, while the rest goes towards the car.
The mobility scheme usually specifies the length of time you’ll be leasing the vehicle for. If you wish to switch vehicles when you’re part way through the lease, you should contact Motability to discuss your options. They may allow you to upgrade or downgrade your vehicle if you explain the situation. For instance, you may wish to get a bigger car that is more suited to your needs. They review instances like this on a case by case basis, just keep in mind that you may be required to make an advance payment on the new vehicle.
*All of the prices and information in this article came from https://www.motability.co.uk and is correct at the time of publication (Dec 2020).
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