Motability Finance for Over 65s: Your FAQs Answered
Confused about Motability? Over the age of 65 and unsure what your Motability finance entitlement is? Here, we answer some of the most frequently asked questions by drivers over the age of 65 to put your mind at ease.
If I’m over 65, can I still join the Motability scheme?
If you are over the age of 65, receive any of the following allowances, and have more than 12 months remaining on any of these particular allowances, then you are entitled to apply to the Motability scheme:
• PIP – Personal independence payment – the enhanced rate of the mobility component
• WPMS – War Pensioners’ Mobility Supplement
• AFIP – Armed Forces Independence Payment
Who qualifies for the Higher Rate Mobility Component?
This component of Disability Living Allowance (DLA) is no longer available to those over the age of 16. People between the age of 16-64 can no longer make a new claim to DLA and must refer to Personal Independence Payment (PIP) instead.
Those applicants that are 65+ should, alternatively, claim attendance allowance and following the appropriate channels.
Can someone else drive for me?
The worry-free Motability scheme package includes two named drivers as standard, while one more can be included at an additional cost. These drivers can include family members, friends, or carers.
Only drivers that are included on the Certificate of Motor Insurance are entitled to drive the vehicle. If someone is driving the vehicle who is not included, you may be liable for any losses or damages and may be prevented from applying to the scheme in the future.
Whoever is driving the car, however, must be doing so to benefit the disabled person. Although, this doesn’t mean that this person has to be in the car for every journey.
What happens if I go into residential care?
If you happen to go into residential care, you are still entitled to receive your mobility allowance. However, this depends on whether you are still benefiting from the vehicle. If this is not the case, it could result in the lease agreement being terminated.
Can I get a motor home or caravan?
Neither a motor home nor caravan are available through the Motability scheme. However, if you do wish to tow a caravan using your mobility vehicle, then you must arrange separate insurance and breakdown policies.