Drivers living with certain disabilities and long-term health conditions could secure a car through the Motability Scheme for less than £1,000. The scheme allows those who receive a disability benefit, with an award for the higher or enhanced rate of the mobility component, to use some or all of the payment towards leasing a new car, wheelchair-accessible vehicle, scooter or powered wheelchair.
Eligibility extends to those receiving Personal Independence Payment (PIP), Disability Living Allowance (DLA), War Pensioners' Mobility Supplement (WPMS) and Armed Forces Independence Payment (AFIP). In addition to a new car, customers also receive insurance, breakdown assistance, servicing, maintenance, tyres and windscreen repairs as part of the package.
The latest price list for leasing packages has been unveiled on the Motability Scheme website, featuring a selection of hundreds of vehicles. Due to escalating insurance costs and shifts in the car market, Advance Payments for some vehicles have risen but there are still options available with an advanced payment of well under £1,000.
While the scheme offers a broad range of vehicles, the Motability site itself highlights a number of 'top picks' that it recommends to customers. Some of these can be secured without an advanced payment while others require an advanced payment of less than £1,000. Payments after that are then deducted from your benefits.
Motability's top picksIn its price list, the Motability Scheme lists the following cars as its top picks, all ranging from different fuel and transmission types.
Top cars without an advanced payment:
Ford Puma - electric, automatic
Hyundai Bayon - petrol, manual
Kia Niro - electric, automatic
Mazda 2 Hybrid - petrol/electric hybrid, automatic
Mazda CX-30 - petrol, manual
Nissan Juke - petrol, automatic
Skoda Kamiq - petrol, manual
Toyota Yaris - petrol/electric hybrid, automatic
Top cars with an advanced payment:
Fiat Grande Panda - electric, automatic (£499)
Hyundai Inster - electric, automatic (£199)
Hyundai Tucson - petrol, manual (£999)
Omoda 5 - petrol, automatic (£499)
Renault Captur - petrol/electric hybrid, automatic (£395)
Renault Symbioz - petrol/electric hybrid, automatic (£995)
Suzuki e-Vitara - electric, automatic (£999)
The Motability Scheme also listed an automatic Ford Kiga (petrol/electric hybrid) in its top picks, however, it is the only one featured that is over £1,000, being listed with an advanced payment from £1,395.
Eligibility for the Motability Scheme If you're unsure about your eligibility for the Motability Scheme, you can use the scheme's handy online tool. The tool will ask who you're checking for, which benefit or allowance you are currently receiving payments for, and how long is left on your benefit.
How to apply for the Motability SchemeIf you believe you qualify for the scheme, you can either apply through a car dealership or apply online.
Applying through a dealerYou can visit any dealership of your choice and they will directly assist you with your order - this primarily applies if you're in the market for a car, scooter, or powered wheelchair. If you're seeking a wheelchair accessible vehicle supplier or adaptations installer, you don't need to worry about distance as they can come to you to help complete your order.
To apply with a dealer, you will need the following:
- The applicant's National Insurance Number or Customer Reference Number
- A grant award letter where applicable
- Driving licences for all drivers and details of any claims history
- Driver declaration if the driver of the vehicle is not present
- The applicant's UK passport or driver's licence
You can apply online through your own Motability Scheme account. This is particularly useful if you want more time to decide which vehicle is best for you.
To apply online, you will need:
- The applicant's UK passport or driving licence
- The applicant's National Insurance Number or Customer Reference Number
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