Under 65 Eligibility for Motability and Other FAQs

Motability is a great way for people with a disability to afford to drive. However, it’s not always simple to understand your eligibility for Motability. Here, we look at some of the most frequently asked questions to help answer any queries you may have.

For more information, check out our new to Motability answers too! We can also answer Motability queries if you’re a learner driver.

Non-owners car insurance policy - are they allowed to drive the Motability Vehicle?

The drivers detailed on the Certificate of Motor Insurance as ‘permitted drivers’ are the only people legally allowed to use the vehicle.

Anyone else that is not detailed on the insurance policy is not allowed to drive your car regardless of whether they have fully comprehensive insurance on another vehicle or not.

As the owner of the Motability lease, you may be held responsible for any damages or losses which occur if such an event was take place. Furthermore, you may be prevented from applying to Motability in the future.

Are there any electric vehicles on the Scheme?

Yes. There is a range of electric and hybrid vehicles available on the Motability scheme however, it is certainly worth considering the two following points before deciding on a vehicle of this fuel type. 

Charging the vehicle: In order to refuel at home, you will need to have an electric-charging point installed at your house. This will require either an off-road car parking space, a driveway, or a garage. 

The range of the vehicle: Different cars have different ranges, dependent on the size of the battery. Therefore, before deciding on which car suits you, you should check whether it will cater to your requirements and day-to-day life. 

Can I take my Motability car on holiday with me?

Yes. Motability insurance allows you to travel to any country within the European Union, as well as Iceland, Liechtenstein, Norway, and Switzerland without any additional cost for any 90 days within a 12-month period.

Before travelling abroad, you are required to get a VE103 form, otherwise known as a Vehicle on Hire Form. This details that you are allowed, and covered, to drive your vehicle abroad. It is recommended, however, that you get breakdown cover, as, otherwise, you will be responsible for any breakdown charges.

Can I have a pet in the car?

In effect, your Motability scheme vehicle can be used in the exact same way as you would your own personal vehicle. The Motability scheme insurance factors in general wear and tear however, interior damage, such as ripped seats, is not covered. Therefore, if you are taxiing pets in your vehicle, and they cause damages, you will be responsible. 

What happens if I am finding it too expensive to run a car?

You can end your Motability scheme agreement, but before doing so, we recommend that you take into consideration other modes of transport, such as public transport and taxis, and whether they would sufficiently act as a replacement.

There are certain stipulations involved in cancelling your agreement. You must be able to provide a valid reason, such as the car no longer being suitable. You will be required to pay a cancellation fee of up to £250. And, if you cancel three agreements in a seven year period, you may be declined from further receiving Motability.