Do You Get Free Insurance with Motability Cars?




Motability cars offer an excellent solution for individuals with disabilities, providing a reliable mode of transport with a focus on freedom and independence. As part of the Motability Scheme, drivers can exchange their qualifying mobility allowance for a brand-new car, wheelchair accessible vehicle (WAV), scooter, or powered wheelchair. One of the key advantages of the scheme is its worry-free package, which aims to cover all essential aspects of using a vehicle, including insurance.

Through the Motability Scheme, drivers receive comprehensive insurance cover, ensuring a hassle-free experience on the road. RSAM, the scheme’s insurance provider, offers protection for the vehicle, named drivers, and any adaptations made to the car because of the individual’s disability. Insurance provided is designed to cater to the specific needs of Motability users, offering peace of mind while navigating daily journeys.

It’s worth noting that while insurance coverage is comprehensive, certain restrictions apply, particularly for younger drivers. Those under 25 years old are limited to cars within an insurance group of 16 or lower and with an engine power output of 120 brake horsepower (BHP) or less. Additionally, only one driver under the age of 21 is permitted under the Motability insurance package.

Motability Scheme Overview

The Motability Scheme is a popular initiative in the UK designed to help people with disabilities gain more independence by providing them with a hassle-free way to lease a new vehicle using their mobility allowance. The scheme aims to enhance the quality of life for individuals with limited mobility by offering a variety of transportation options, including cars, Wheelchair Accessible Vehicles (WAVs), scooters, and powered wheelchairs.

One of the significant benefits of joining the Motability Scheme is the worry-free package that accompanies the leased vehicle. This package covers a wide range of services and components, such as insurance, road tax, breakdown assistance, servicing, maintenance, and tyre replacement.

The insurance provided under the scheme is comprehensive and specifically tailored to meet the needs of disabled motorists. This insurance is included in the lease plan, meaning there is no additional cost for the customers Accidents and insurance. Additionally, the insurance policy allows named drivers to be added to the policy, so it is possible for family members or carers to drive the vehicle on behalf of the Motability customer.

To be eligible for the Motability Scheme, individuals must be in receipt of one of the following benefits:

  • Higher Rate Mobility Component of 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)

The scheme provides access to a vast range of vehicles to cater to different needs and preferences, including fuel-efficient cars, electric vehicles, and those with adaptations for enhanced accessibility.

Choosing to participate in the Motability Scheme can considerably improve a disabled person’s life, offering increased freedom, independence, and mobility. With the comprehensive services provided under the scheme, customers can enjoy a reliable and accessible mode of transportation without worrying about the additional costs and administrative tasks associated with traditional vehicle ownership. is an information and guidance-only website. The information on the site is not tailored advice to each individual reader and, as such, does not constitute actionable legal advice nor actionable financial advice. All information, guidance or suggestions provided are intended to be general in nature. You should not rely on any of the information on the site in connection with the making of any personal decisions, and you should always do your own in-depth research first and speak to specialists.

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