Who is Eligible for the Motability Scheme?

The Motability Scheme allows disabled people to exchange their government funded mobility allowance for a car. To lease a car through the Motability Scheme, you must have at least 12 months’ award length remaining. Only the higher or enhanced rate of the mobility allowance can be used. Please note - the Attendance Allowance cannot be used to join the Motability Scheme.

To be eligible for the Motability Scheme you must receive one of the following disability benefits:

Higher Rate Mobility Component of Disability Living Allowance

This allowance is provided by the Department for Work and Pensions (DWP) and can be used to cover the cost of a Motability agreement. To be eligible for a car through Motability, you must have at least 12 months’ award length of the HRMC remaining.

Enhanced Rate of the Mobility Component of Personal Independence Payment

As part of the Government's welfare reform programme Disability Living Allowance (DLA) has started to be replaced by Personal Independence Payment (PIP) for disabled people aged between 16 and 64. Using PIP with The Motability Scheme works in the same way as is it does with DLA.

Armed Forces Independence
Payment

The Armed Forces Independence Payment (AFIP) was created as part of the Government's welfare reform programme. This allowance can be used to cover a Motability agreement.

War Pensioners’ Mobility
Supplement

This allowance is provided by Veterans UK and can be used to cover the cost of a Motability agreement.

I am over 65, can I join the Motability Scheme?

There is no upper age limit for joining the Motability Scheme. As long as you already receive one of the relevant allowances, you are eligible for a car through Motability.

Confusion is often caused because the DWP does have an upper age limit of 64 for people who would like to apply for disability related benefits for the very first time. If you are applying for disability related benefits for the first time and are aged 65 or over, the DWP will ask you to register a claim for Attendance Allowance, which you are not able to use to join the Scheme.

Is my child eligible for a Motability car?

Parents or guardians can lease a car on behalf of a child aged three years and above, who is receiving HRMC DLA or PiP.

Finding the Right Car for You

Our Motability specialists have been trained to offer expert advice to ensure your Motability car is perfectly suited to your needs. To find out more about the cars available from Smiths on the Motability Scheme please use the links below to visit your preferred Motability dealership:

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Reg Office: Sturrock Way, Bretton, Peterborough, PE3 8YL

Reg. Company Number: 359860

VAT Reg. No. 120617216

Financial Disclosure

F.P. Smith Holdings (Newark Avenue) Limited, F.P. Smith Holdings (Ilkeston) Ltd, and F.P. Smith Motors Ltd are Appointed Representatives of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows F.P. Smith Holdings (Newark Avenue) Limited, F.P. Smith Holdings (Ilkeston) Ltd, and F.P. Smith Motors Ltd to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.

We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach for a new car purchase is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow.

Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.

In the event of disputes we are unable to resolve the Retail Motor Industry Federation (RMI) National Conciliation Service will offer free impartial advice and when appropriate an Alternative Dispute Resolution (ADR) service that we are fully committed to. For further information you can visit their website at www.nationalconciliationservice.co.uk or call 01788 538317.

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Who is Eligible for the Motability Scheme?

I am over 65, can I join the Motability Scheme?

Is my child eligible for a Motability car?

Finding the Right Car for You