Motability scheme eligibility and what you need to | Tech News
If you obtain a incapacity or health-related benefit that impacts your mobility, you might have the opportunity to lease a vehicle via Motability. But not everyone seems to be eligible for the scheme.
Experts at Citizens Advice be aware that people have the option of leasing automobiles, mobility scooters and powered wheelchairs and stress that the vehicle stays the scheme’s property. You are simply protecting the price of leasing it.
If your benefit funds stop, you’ll need to return the vehicle. So, what are the eligibility guidelines and what prices are lined? Here’s what you need to know.
Motability scheme – who’s eligible?
Disabled people who obtain any of the next authorities advantages can decide to use their allowance to lease a vehicle via the Motability Scheme.
This consists of:
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Enhanced price mobility half of Personal Independence Payment (PIP)
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Higher price mobility half of Disability Living Allowance (DLA)
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Higher price mobility half of Scottish Adult Disability Living Allowance (DLA)
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Enhanced price mobility half of Adult Disability Payment (Scotland)
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Higher price mobility element of Child Disability Payment (Scotland)
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War Pensioners’ Mobility Supplement (WPMS)
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Armed Forces Independence Payment (AFIP)
The Motability Foundation oversees the supply of the Motability Scheme and helps these most in need of assist to entry it.
It defined how it really works: “You can use your higher rate mobility allowance to pay for the lease of a vehicle through the Motability Scheme. Insurance, breakdown cover, servicing and maintenance are all included in the price. If the car costs more than your allowance, you can pay an ‘Advance Payment’ to make up the difference.”
It confirms that carers and mother and father can drive for the disabled particular person. This means mother and father of kids aged three and over and disabled people who don’t drive can be part of the scheme. The vehicle have to be utilized by, or for the benefit of, the disabled particular person.
Citizens Advice says you need at the very least 12 months left in your benefit to apply for a Motability vehicle. If you’re uncertain, verify your benefit determination letter.
You can not apply for a Motability vehicle if you’re getting DLA and the Department for Work and Pensions (DWP) has despatched you a letter saying you need to apply for PIP. You won’t be affected if you have already got a Motability vehicle.
Citizens Advice additional explains: “Your benefit will go directly to the Motability Scheme each month to pay for your lease. How much of your benefit will go towards your vehicle will depend on which one you choose.”
It says you might have to pay an upfront charge for a more costly vehicle, although financial help may be obtainable relying in your scenario.
As nicely as your vehicle, you’ll get:
Can I exploit this vehicle for work?
If you need to use your Motability vehicle for work, you need to get permission from RSA Motability. In some circumstances, business use could also be allowed, corresponding to if you’re a travelling salesperson. Certain varieties of work will not be permitted, corresponding to utilizing the vehicle as a taxi or for supply providers. To apply, you’ll need to contact RSA Motability in writing or by cellphone and request a “Business Use Application Form.”
You can discover all of the advice and steps you need to get a vehicle right here.
Motability adjustments from July 2026 – what you need to know
People on the Motability Scheme have been warned that new tax guidelines beginning July 1 might make leasing new autos more costly.
The Motability Foundation introduced in a assertion final month: “Last year, in the UK Government’s Autumn Budget, tax changes were announced that will affect the Motability Scheme. From 1 July 2026, VAT and Insurance Premium Tax (IPT) will apply to leases on the Motability Scheme.
“As a outcome, leasing a vehicle will develop into more costly and it is going to value considerably more to ship the Scheme. For clients who have already got a lease on the Motability Scheme nothing is altering proper now.” Officials confirmed that the modifications will be implemented throughout the UK, except in Scotland.
You can read about the update right here.
According to the Foundation, their influence is as follows:
- 860,000 disabled people use the Motability Scheme.
- 87% say the Scheme improves their entry to health providers.
- 76% report that it means they don’t have to depend on others to help them make a journey.
- 27% have improved entry to schooling.
- 21% had improved entry to employment alternatives. Scheme clients in employment report working an additional 14 hours a week, on average.
- In 2024/25, we supported 10,473 people with grants so they might entry the Motability Scheme – value £59.3 million.
- In 2024/25, we supplied grants to 31 different charities and organisations who assist disabled people to journey in numerous methods – value £14.7 million.
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