16th May 2022
Are you interested in getting a Motability car? We will break it down for you. In this guide, you will find out everything you need to know about Motability cars, including how to apply for one, the rate of PIP (Personal Independence Payment) you must be on, what car you can get and much more!
If you are looking to make travel easier, then you may also want to check out Millercare’s travel aids, such as car boot mobility scooters or comfy neck pillows or check out our blog post ‘4 Tips For Travelling By Car With A Wheelchair’.
Let’s get into Millercare’s easy guide to getting a Motability car…
What Is The Motability Car Scheme?
Motability is a charity that aims to help people out and about with vehicles. You trade in your higher rate of allowance (e.g. PIP) each month, which is directly paid to the scheme and you are only required to pay for petrol out of your pocket as everything else is covered by the scheme.
You do not own the car, instead, you lease it for 3 years. If your allowances from the government stop, then you will have to return your car. At the end of the 3 years, as long as you are still eligible, then you can lease a new car.
Up to 3 people can be ‘named drivers’ on the car. Also, if you are unable to drive, due to mobility conditions, then you put the car in someone else’s name, as long as they will be driving you whenever you need to.
There are many cars to choose from. You can choose a cheaper vehicle, and then you will not need to pay your entire allowance to Motability. You can also choose a more expensive car and contribute some of your own money each month to pay for it.
Eligibility
The rate of PIP, or other disability allowances, will determine whether you are eligible for the scheme. If you are interested in finding out more about PIP, then check out our detailed blog post ‘Your Comprehensive Guide to PIP’ to find out everything you need to know.
The eligibility has been laid out by Citizen’s Advice, and it states the following:
- The highest rate of the mobility component of DLA (Disability Living Allowance) which is £62.55 a week.
- If you are on PIP (Personal Independence Payment) you must be on the enhanced rate which is £62.55 a week.
- You are on AFIP (Armed Forces Independence Payment) or War Pensioners’ Mobility Supplement which is £62.55 a week or £69.85 a week.
- 1+ year award length remaining
Millercare sells top-quality, durable and affordable mobility scooters in the North West. Check out our extensive range today!
What Car Can I Get?
There are many different cars to choose from. So whether you want a family car, small van, electric car or a small car - then the scheme will have something for you. You should choose a car that will suit your lifestyle and needs, and ensure that there is enough space to fit any required adaptations inside. For some cars you may need to make an upfront payment, usually, this is only if the car is on the expensive side. You can find out more about the cars you can get on the Motability website.
The scheme does not include purchasing extra mobility equipment that you might need, such as a portable mobility scooter or travel wheelchair (unsure on which wheelchair to choose? Check out our guide). However, this might be essential for you. At Millercare, we have an excellent range of travel mobility equipment for you to purchase. If you need a financial helping hand, there are lots of options available, such as charities willing to fully or partially finance your mobility aid.
What is included in the Scheme?
The Motability car scheme provides you with everything you will need, and the only thing you are usually required to pay for is petrol.
Here is a list of everything that is included:
- You will get fully comprehensive car insurance, which will cover you and other drivers in the event of an accident. This is the highest level of coverage that you can get and will protect you in most circumstances.
- If you need tyre and windscreen replacements, the scheme will pay for this for you.
- You will receive breakdown cover.
- Vehicle tax will be paid for you each year.
- Any maintenance costs will be covered.
- If you need specific adaptations made to your car, then the scheme will pay for them.
How Do I Get A Vehicle?
You will agree to swap your monthly allowance for the vehicle, which will be directly paid to Motability.
1) Apply for the scheme by calling them on 0300 456 4566.
2) Once you are in touch with them, you can find a car that suits you.
3) Visit your local car dealer, and bring with you your ID, proof of benefits and proof of address.
4) Order the car from a dealership and they will provide you with a delivery date.
5) Your monthly allowance will now be paid to Motability for your vehicle, and you can pick up your car!
