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 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 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 Scheme agreement. To be eligible for a car through the Motability Scheme, 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 Scheme agreement.

War Pensioners’ Mobility
Supplement

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

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 Motability Scheme.

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

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Company Info

Info

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 trading as Smiths Dacia, Smiths Renault, Smiths Hyundai and Smiths of Peterborough and Smiths Motor Group, F.P. Smith Holdings (Ilkeston) Limited, trading as Smiths of Ilkeston, Smiths Vauxhall and Smiths Motor Group, F.P. Smith Motors Limited, trading as Smiths Nissan, Smiths Vauxhall and Smiths Motor Group are Appointed Representative 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 trading as Smiths Dacia, Smiths Renault, Smiths Hyundai and Smiths of Peterborough and Smiths Motor Group, F.P. Smith Holdings (Ilkeston) Limited, trading as Smiths of Ilkeston, Smiths Vauxhall and Smiths Motor Group, F.P. Smith Motors Limited, trading as Smiths Nissan, Smiths Vauxhall and Smiths Motor Group to act as a credit broker, not 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 are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor.

Our approach 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 most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase.

Different lenders 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; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement.

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.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.

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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 Scheme car?

Finding the Right Car for You