Motability FAQs

Motability Explained

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

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.

Motability Frequently Asked Questions

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2 Vincent Way, Raikes Lane, United Kingdom, BL3 2NB

Reg. Company Number: 597708

VAT Reg. No. GB 732 5259 39

Financial Disclosure

Williams Motor Co (Holdings) Ltd is an 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 Williams Motor Co (Holdings) 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 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. For used vehicles we will receive a fixed commission for introducing you to lenders which is calculated by reference to the vehicle or as a percentage of the amount you borrow. 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.

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