Buying or leasing a car - the Motability
schemes
For many disabled motorists the Motability schemes are the preferred way of obtaining a motor vehicle. The schemes are operated by the charity Motability (www.motability.co.uk), in connection with Motability Finance, and a network of Motability accredited dealers.
To be able to buy or lease a car using the Motability Scheme you must be in receipt of either the Higher Rate Component of Disability Living Allowance (DLA) or War Pensioners Mobility Supplement for the period of the contract. A car can be leased or purchased through Motability on behalf of a disabled child passenger. You can also use the Motability Scheme to buy powered wheelchairs and pavement scooters.
There are three different schemes operated by Motability. The most popular is the Lease scheme. Under this scheme you pay a non-refundable deposit and agree for the mobility component of your DLA to be paid to Motability who then use it to meet the monthly payments for a three year lease. This includes all motoring costs apart from the fuel used.
The other two schemes are special hire purchase schemes for new and used cars. Previously there has been a much lower take-up for these schemes but recent changes have been made to make them more popular.
More information about the Motability Scheme can be found at: www.motability.co.uk.
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