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Motability Frequently Asked Questions

Are you new to The Motability Scheme or uncertain about certain aspects of it? Below, you'll find some Frequently Asked Questions to help clarify your understanding. If you need any additional assistance, please don't hesitate to contact our team.​

Who can join the Motability Scheme?

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​You need to receive one of the following qualifying mobility allowances, with at least 12 months left to join the Motability scheme: 

  • PIP: Higher rate mobility part of Personal Independence Payment
  • DLA: Higher rate mobility part of Disability Living Allowance
  • AFIP: Armed Forces Independence Payment
  • WPMS: War Pensioners' Mobility Supplement

What is PIP?

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Personal Independence Payment (PIP) is an allowance that helps with extra living costs for those who have a long-term physical or mental health condition or disability and have difficulty doing certain everyday tasks or getting around because of your condition. You can get PIP if you are working, have savings or are getting most other benefits. 

What is DLA?

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Disability Living Allowance (DLA) is money for people who have extra care needs or mobility needs as a result of a disability. There are two parts: the care component and the mobility component. However, the DLA will be replaced by other benefits, and if you already get DLA, your claim might end soon. 

What is AFIP?

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AFIP stands for Armed Forces Independence Payment. It's a tax-free financial benefit for service personnel and veterans who were injured on or after the 6th April 2005. The payment is designed to help cover extra costs associated with service-related injuries. You cannot claim AFIP if you are already receiving PIP or ADP. 

What is WPMS?

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WPMS stands for War Pensioners' Mobility Supplement to help veterans with extra mobility costs due to a service-related disability.  

Am I eligible to join the Motability Scheme?

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If you receive one of the qualifying motability allowances with at least 12 months left to apply to join the Scheme. Check your eligibility by visiting our site

Can two people in my home be on the Motability Scheme?

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Yes, you can choose up to two people to drive your Motability car, provided they are eligible. 

Can young people join the Motability Scheme?

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Yes, young people join the Motability Scheme, but it depends on their ability and their age. Read more by visiting the Motability Scheme website

How does the Motability Scheme work?

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The Motability Scheme process is easy. First, check that you are eligible to join the scheme by viewing which mobility allowances are under the Scheme. Next, take a look online or visit one of our dealerships to see which type of vehicle suits you and your needs. Then, you will pay straight from your allowance provider and/or the Advance Payment. After this, you can apply and order your car, which you can collect from our dealership when it's ready. ​Read more on our How Does It Work page if you need further advice.

How many miles am I allowed to drive while I am on the Motability Scheme?

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It is best to check our latest offers to see how many miles are allowed to drive or what the excess mileage charge will be. 

Can I buy my Motability vehicle at the end of my lease on the Motability Scheme?

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Unfortunately, we cannot sell your vehicle at the end of the scheme as you will have to give it back after three years. 

What cars are available on the Motability Scheme?

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At Snows, all our brands are available on Motability. From BYD, Citroen, Toyota, Polestar,  Mazda, CUPRA, SEAT, BMW, Kia, Vauxhall, MINI, Jeep and Volvo. ​Take a look at our current offers to start the process today!

How do I find a Motability vehicle that is good for me?

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Our team is here to help if you are unsure which Motability vehicle is right for you. Visit one of our dealerships or give us a call, and we will go through your requirements with you. 

How much does joining the Motability Scheme cost, and how do I pay?

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Our team is here to help if you are unsure which Motability vehicle is right for you. Visit one of our dealerships or give us a call, and we will go through your requirements with you. 

What is an Advance Payment?

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​Some of our vehicles on the Motability Scheme cost less than your weekly allowance. However, if they don't, some will need an Advance Payment. You will see this next to each car on our offers page. We will receive your payment straight from your allowance provider, so you don't have to worry. 

What are the latest prices on the Motability Scheme?

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Advance payments is the amount you need to pay us upfront for large or high specification vehicles. This is in addition to your weekly mobility allowance. 

How much does a Motability car cost per month?

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Take a look at our offers page to see the current prices on the Motability Scheme. 

How to apply for a Motability car?

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Our vehicles have a wide range of prices across the Motability Scheme. Take a look at our offers page to see what we are currently offering this quarter. 

Can I swap my Motability car early?

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It's easy to apply for a Motability car. Just log in to your Motability Scheme online account, go to 'New Car Application' and update your personal details and allowance information so it's ready when you talk to our team. 

How long does it take to get a Motability car?

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If you decide your vehicle isn't suitable anymore, it's best to talk to our team first. We can discuss the best solution together. 

Can you put a private plate on a Motability car?

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If this is your first motability car, it can take a few weeks to a few months to receive your car, depending on supply shortages. However, if you already have a motability car, you won't be able to collect your new car till the end of your current agreement. 

Can I drive a Motability car on my own insurance?

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Yes, you are allowed to add a personalised number plate to your car. However, it is your responsibility to ensure your personalised plate follows the DVLA's online instructions and that it doesn't offend others. 

Do Motability cars have trackers?

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The Motability Scheme provides insurance for all its vehicles, so you have to inform us of what drivers you need to be added to the insurance certificate. 

What happens if you crash a Motability car or get in an accident?

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Motability cars do not have trackers as a standard, but a tracker may be fitted if there is a high risk of misuse, such as if none of the named drivers live with the customer. Motability will contact the customer if they believe a tracker is necessary before fitting.

Do I need to claim if my vehicle has minor damage?

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If you have a car accident in a Motability car, you must report it to Direct Line Motability (DLM) as soon as possible. You can either do this by using your Motability Scheme account or by calling them at 0300 37 37 37. If your car is undriveable, you can call the RAC for roadside assistance. 

Can I use a Motability car for deliveries?

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Whether the damage to your vehicle is small or big, you must report it to Direct Line Motability (DLM). They will assess the damage and let you know if it needs repairing. You can do this by logging into your Motability Scheme online account to make a claim. 

Can I take my Motability car abroad?

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No, you cannot use a Motability Scheme for any work purposes, such as any kind of delivery or taxi service, as this is considered a misuse of the vehicle. 

Do Motability cars have to pay the congestion charge?

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Yes, you can take your Motability car abroad for up to 90 days within a 12 month period, but you do need a Vehicle on Hire (VE103) certificate from RAC Motability Assist at least three weeks before you travel. You should also check if European Breakdown Cover is included, or if you need to arrange it if necessary, as well as displaying a 'UK' sticker on your vehicle.

Do you get a V5 with a Motability car?

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If you have a vehicle with the disabled tax class, you won't need to pay the congestion charge. However, if you pay for your own tax or you're using a replacement vehicle, you can apply for an exemption from the congestion charge with your blue badge. You can register up to two vehicles for a £10 fee and pay for any other fines or charges you get. 

What to bring when collecting a Motability car?

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No, you won't get a V5C Logbook when you have a Motability car because Motability Operations Ltd holds it as the owner. However, they can give you a copy of the V5C registration certification upon request if you need it to apply for parking permits.