Get Covered: Motability Car Insurance for Scheme Vehicles

If you use the Motability Scheme, your lease has insurance cover that fits your needs. It offers help like roadside support and flexible options for named drivers. There are also accessible vehicle adaptations available. Just like when you compare car insurance, it’s important to understand what’s included in your policy. Motability car insurance gives you full protection under one lease agreement.

What Is the Motability Scheme?

The Motability Scheme helps eligible people lease a car, a WAV (wheelchair accessible vehicle), a scooter, or a powered wheelchair by using their mobility allowance. It includes insurance, maintenance, and routine repairs. This support allows users to feel more free and comfortable.

Who Can Join the Motability Scheme?

To qualify, you must have one of these benefits that lasts for at least 12 months:

Higher Mobility Component of DLA
Enhanced Mobility Component of PIP
Armed Forces Independence Payment
War Pensioners’ Mobility Supplement

Is Insurance Included with Motability?

Yes. In September 2023, Direct Line Motability (DLM) started offering insurance for the scheme instead of RSAM. All the Motability insurance options come with your lease at no extra cost.

Motability Car Insurance vs Standard Car Insurance

Feature	Motability Car Insurance	Standard Car Insurance
Provider	Direct Line Motability	Private insurers
Cost	Included in lease	Paid separately by the driver
Named Drivers	Up to 3 allowed	Usually 1, others cost extra
Breakdown Cover	RAC Motability Assist included	Often an optional extra
Legal Expenses	Included	Often optional
Adaptations	Many included at no extra cost	Rarely included
Replacement Vehicle	Provided during repairs	Not always included

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What is included in Motability car insurance?

Motability insurance includes:

You will have full coverage for damage, theft, and third-party liability.
Routine repairs include windscreen and glass repairs.
You can add up to three named drivers who have a legally valid driving licence.
There is 24/7 breakdown assistance provided by RAC Motability Assist.
You receive coverage for a replacement vehicle and your personal items.
You can request legal expenses and proof of your claims history.

While Motability insurance is included in your lease, it’s still useful to compare car insurance to understand how private policies differ—especially if you plan to switch after the scheme.

Where is Breakdown Cover Available?

Breakdown help from RAC Motability Assist is offered throughout the UK, even in Northern Ireland. It also includes support in places like the European Union, the Republic of Ireland, Switzerland, Norway, Liechtenstein, and Iceland.

What is the quickest way to manage your policy?

The fastest way to update your driver details, download your certificate of motor insurance, or check your coverage is through the DLM Insurance Portal or your online account on the Motability website. You can also find help by using the virtual assistant or live chat.

Motability Vehicle Insurance Benefits

Benefit	What’s Covered?	Extra Cost?
Accidental Damage	Repair/replacement after accidents	No
Theft & Vandalism	Full cover for loss or damage	No
Breakdown Cover	RAC assistance in UK & Europe	No
Windscreen Repair	Free repairs and replacements	No
Personal Items	Theft or damage of belongings	No
Replacement Vehicle	While your car is being repaired	No
Legal Expenses	Legal costs after an accident	No
European Cover	EU, Switzerland, Norway, etc.	No

Claiming on Motability Insurance

When filing a claim, you’ll need:

Your certificate of motor insurance
Your driving licence
Information about your vehicle and its registration
Your date of birth
A contact email address
Third-party details (if needed)

The usual extra cost is £100. If they accept the claim, they will quickly arrange repairs or give you a replacement vehicle. This is to help reduce the loss of use.

Additional Support and Benefits

Help for breakdowns in over 30 countries
Modifications at no extra cost
Taxi fares and travel refunds if repairs take longer
Claims history recorded for when you switch to private insurance

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Does Motability Insurance Cover Business Use?

Motability insurance does not cover business reasons, unless you are:

Traveling to and from your usual workplace, or
A caregiver driving for important work according to scheme guidelines.

Other types of business use are not covered.

Can I get private insurance for a Motability vehicle?

You can only get insurance for Motability vehicles through the Motability insurance provider. You cannot insure a Motability vehicle by yourself.

Related Guides

Explore more helpful resources:

How to Compare Car Insurance Quotes and Save Money

Essential Car Insurance Guide: Coverage & Tips

Get Multi-Car Insurance for Your Household

Car Insurance for Different Driver Profiles

Correct as of 24 April 2025

FAQs About Motability Car Insurance

Motability insurance includes coverage for petrol, diesel, and electric cars.

The plan allows you to have up to three drivers named for each vehicle.

Sure. When you lease through the scheme, WAVs and mobility scooters are a part of it.

Motability insurance covers you in Europe. This includes countries such as Switzerland, Norway, Liechtenstein, and Iceland.

You can reach out to Motability's customer service. If you end your agreement early, it may mean extra charges depending on your situation.

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