Motability Frequently Asked Questions

Want to know more about DS Motability vehicles or the Motability Scheme? Here are the answers to some common questions our DS Motability Specialists are asked. If you still have questions, please get in touch with our team.

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Motability - Everyday Freedom

Am I eligible?


To be eligible to join the Motability Scheme, you must receive one of these disability allowances:

  • Higher Rate Mobility Component of the Disability Living Allowance (DLA)
  • Enhanced Rate of the Mobility Component of Personal Independence Payment (PIP)
  • War Pensioners’ Mobility Supplement (WPMS)
  • Armed Forces Independence Payment (AFIP)

If you receive any of the above allowances and have at least 12 months award remaining, you can exchange all or part of the allowance to cover the cost of a lease agreement

Only these allowances can be used through the Motability Scheme.

How do I apply to the Motability Scheme to lease a vehicle?


If you are eligible for the Scheme, all you need to do is contact your nearest Motability dealership and arrange an appointment with our DS Motability Scheme specialist. Our helpful team will guide you through the process.

How will I receive the New Vehicle Payment?


The quickest way to receive it is by bank transfer.

Just add your bank details in your Motability Scheme online account and they will send you the payment within a few days of you getting your new vehicle.

Log in or create an account then go to ‘Personal details’, enter your bank details and choose ’Payments by bank transfer’.

Motability will only use your bank details to pay you or send you refunds. Your details will be encrypted and secure once you save them in your account.

If you’ve already updated your preference to bank transfer, please double-check your details are still correct before you get your new car or WAV. You can easily update these in your online account if they’ve changed.

If Motability do not have your bank details they will send you a cheque instead, but this could take a couple of weeks to arrive.

What does the Motability Scheme lease package include?


The Motability leasing package includes:

  • Insurance from RSA Motability
  • Servicing and maintenance
  • Full RAC breakdown assistance
  • Annual car tax
  • Kwik Fit replacement tyres
  • Windscreen repair/replacement
  • 60,000 mileage allowance over three years (or 100,000 for WAV customers)
  • Many adaptations at no extra cost

How much does leasing through the Scheme cost?


There are three pricing options to choose from. Some cost less than your weekly allowance, others cost the same as your weekly allowance, and some require an Advance Payment.

Why do some cars have an Advance Payment?


Some larger or high specification cars require an additional upfront payment or 'Advance Payment' as we call it. The Advance Payment covers the difference between the cost of your car and your allowance paid over the length of the agreement. It is not a deposit and is therefore not refundable. However, there is a range of cars available with no Advance Payment.

There are even some cars available that cost less than your weekly allowance, meaning you will still receive the remainder of your allowance to spend however you choose.

Do I have to be the driver of my Motability Scheme car?

Motability - 3 People

Lots of our customers don't drive. That's why the insurance with your lease is for up to three named drivers, so your car could be driven by a family member, friend or carer.

Can I have a pet in the car?


You can use your Scheme car in the same way that a family car would be used (e.g. carrying pets). We recognise that all cars will show wear and tear with use however, you are not covered for interior damage to the vehicle under the insurance policy. Any interior repairs would need to be paid for by you.

How do I arrange to have a Charge Point installed?


Once you have chosen an EV vehicle, and want to have a home charge point installed you just need to wait for the Charge Point installer to contact you, either by phone or email. The installer may ask you to send a couple of photos of your fuse box location and maybe a photo of where you want the charger fitting on your driveway. The Charge Point Supplier will do all the paperwork for you.

How much does it cost to have a Charge Point installed?


The Motability Scheme will pay for the cost of the first charger installation.*

*Occasionally when a power upgrade is required before the charge is installed, there may be a charge for that.

Can I have a charger installed in rented accommodation?


Yes, you can have a charger installed in rented accommodation. Usually, all you need is a letter from the landlord stating that they agree to the installation happening at their property.

How do I make an insurance claim?

Motability - Insurance

If you are involved in an accident in your car or Wheelchair Accessible Vehicle (WAV), you will need to call RSA Motability (RSAM) on 0300 037 3737 to report the incident. They will advise whether any repairs are required and arrange alternative transport for you if needed. If your vehicle is stolen or vandalised, you should first report this to the police to get a crime reference number and then speak to RSAM.

What do I do if I have broken down?

Motability - Servicing, Maintenance & Breakdown

If your car has broken down, contact the RAC. They are available 24 hours a day, 365 days a year. A patrol will attend your car and repair or recover to a repairer/dealership. The RAC can provide ongoing transport to ensure you can continue your journey. If help is needed to stay mobile during this time a hire car can be requested from the RAC. The RAC can provide a hire car for a 48 hour period if requested within 48 hours of them attending the car.

Am I covered for interior damage to the car?


Your insurance policy does not cover loss or damage to trim and upholstery in the car, unless this arises as a result of an accident which requires bodywork repair and or mechanical repairs.

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