Common questions about Motability answered

The Motability Scheme is a way for those who are eligible for a disability allowance to exchange it towards leasing a new car. It’s all about allowing all drivers to maintain their independence and feel comfortable and confident behind the wheel.

Not sure what Motability is, or how it works? We're happy to help and answer any questions customers may have. Here are their answers to a few of the most common queries...

Where is my local dealer?

With around 4,500 dealerships across the UK there’s bound to be a choice of dealers near to you. You can use Motability's ‘Find a Dealer’ tool online and search by town, postcode or manufacturer.

Why do some cars have an Advance Payment?

Some larger or high-specification cars require an additional upfront payment or ‘Advance Payment'. This covers the shortfall between your allowance and  the actual cost of ownership for the length of the agreement. It is not a deposit and is therefore not refundable. However, there are around 300 cars available with no Advance Payment, and even some cars available that cost less than your weekly allowance (you can read our favourites here). If you choose one of these, you will still receive the remainder of your allowance to spend however you choose.

How do I make an insurance claim?

You will need to call RSA Motability (RSAM) on 0300 037 3737 and they will arrange for any necessary repairs to be completed. They will ask you to provide your customer reference number, the date, time and circumstances of the incident, as well as other details specific to your claim. You do not need to notify the Motability Scheme’s Customers Services team.

Can I drive other cars?

No. You’re only insured to drive cars that have been provided to you by the Scheme. You will be permitted to drive any temporary replacement vehicle the Scheme provides if your car requires repairs, for example a courtesy car provided by a recommended repairer.

Am I covered for personal belongings stolen from my car?

No, and this also includes sat-navs or stereos not fitted as standard. If you wish to cover personal belongings, you will need to arrange your own insurance cover. One option is to extend your household insurance to items that are carried in your car. 

Who can drive my car?

It’s important to remember that only named drivers are allowed to drive the car. Named drivers are shown as ‘permitted drivers’ on the Certificate of Motor Insurance. They are the people you choose to drive your Motability Scheme vehicle. You can have up to three named drivers on your insurance policy. Two named drivers can be nominated when you submit your application, and if you require a third driver during your lease, they can be added by contacting RSA Motability (RSAM) on 0300 037 3737.

How do I add or change a driver?

Call RSAM. Only the customer or their nominee can request a change of driver, and the new driver you wish to add will need to be with you when you call. This is so that RSAM can check their details and add them to the insurance straight away.

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Read more: all the latest Motability advice >>