What is the Motability Scheme?

The Motability Scheme exists to help those eligible achieve greater independence through access to affordable vehicles.

It is operated by Motability Operations Ltd., an independent non-profit company that is authorised and regulated by the Financial Conduct Authority. They lease cars to customers in exchange for their mobility allowance. It works under contract to the Motability charity, which is responsible for oversight of the Scheme.


In exchange for your mobility allowance, you will receive:

  • A brand new car every three years
  • Comprehensive motor insurance for you and up to two named drivers
  • Regular servicing and maintenance
  • KwikFit replacement tyres
  • Annual road tax
  • Full UK breakdown assistance from the RAC – including cover at home
  • Replacement and repairs to the windscreen and windows

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There are more than 650,000 customers who currently use the Motability Scheme to get an affordable car. Depending on the car you choose, you may need to pay an Advanced Payment. If you’re unable to afford the Advanced Payment and no cheaper car is available that meets your specific needs, you can apply for financial help from the Motability charity.

The cars available on the Scheme are all able to accept modifications and have engines of less than 2.5 litres. Find out more about the BMW and MINI models available.