Do insurance companies accept Motability no claims?

As you have been on a leasing scheme, you will not have accrued any personal no claims bonus. However, for the majority of customers, RSA Motability (RSAM) are able to provide a claims history letter which you can send to your new insurer. Many insurers will accept this as proof of your claims history.

Does Motability insurance count as no claims?

No-claims discounts

As the vehicle is owned by Motability Operations Ltd you will not accrue any personal no-claims bonus. Any personal no-claims history held before joining the Scheme may no longer be accepted by insurers if you leave the Scheme.

How many points can you have on Motability?

Collecting 12 or more penalty points within a three-year period can result in disqualification from driving. The ban can last for various amounts of time: Six months, if you are issued 12 or more penalty points within three years. 12 months, if you get a second disqualification within a three-year period.

Is it worth using the Motability scheme?

Is a mobility car worth it? A mobility car is absolutely worth it, particularly if you struggle to get around via other forms of transport or may not be able to afford a car otherwise. Motability states that the car is for the benefit of the disabled person.

Can you drive a mobility car without the disabled person in it?

Only drivers listed as permitted drivers on the Certificate of Motor Insurance are insured to drive your Motability Scheme car. Remember, the car must be used by, or for the benefit of, the disabled person. This does not mean that the disabled person needs to be in the car for every journey.

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Can I get a second hand car on Motability?

Can I use the Motability scheme vehicle for a used car? No, the Motability scheme is only available for new cars.

Do Motability cars have trackers?

All new customers and those renewing their agreements with the Motability car scheme will now be forced to have a location tracker fitted to their car, if they live in a care home or have an open insurance policy.

Can I drive a Motability car with 3 points on my licence?

Can I drive a Motability car with points on my licence? Existing points will have been disclosed at the application stage. Any new points should immediately be reported to Motability to determine if cover can continue. Failure to update a driver's information could result in the lease being cancelled.

Do Motability check your licence?

We will only accept drivers who have a legally valid driving licence. Drivers with a non-UK driving licence will be subject to additional checks.

What happens if I crash Motability car?

If you have been involved in an accident, you should contact RSA Motability to register a claim (even if there has been no damage). They will advise you whether or not repairs need to be carried out and where to take the car, or if any further action is needed.

What happens if my Motability car gets written off?

If the car is written off, the insurance only covers the named drivers. The very least that will happen is you'll be prevented from being able to apply for another vehicle. The worst is the police may get involved to decide if a criminal offence has taken place in order to settle the insurance premium.

Do you have to pay for damage on a mobility car?

Yes. If you return the car with damage that goes beyond fair wear and tear then there will be a charge for repairs. The contract is designed to keep costs low for you and based on the expected resale value of the vehicle when you return it.

Can my husband drive my Motability car to work?

Only you or your spouse can use the Motability vehicle to commute to work. While you or your spouse can use the vehicle to travel to work, neither of you can't use it for any unauthorised business purposes like as a delivery vehicle or taxi.

Can you be a named driver on a Motability car?

Your Motability Scheme lease includes insurance for up to three named drivers, so if you don't want to or aren't able to drive yourself, your car can be driven by a family member, friend or carer.

Can a Motability car be returned early?

Yes, you can cancel your Motability car early. Typically Motability Scheme agreements run for three or five years. However, if you need to cancel your lease early, there may be concessions that allow you to end it before this term.

Is there a mileage limit on Motability cars?

With Motability cars, you get a mileage allowance of 60,000 miles over 3 years. If you go over, the extra miles will be charged at 5p a mile. If you've driven fewer than 15,000 miles at the end of your agreement, you could apply to keep your car for 1 or 2 more years and get a 20,000 mileage allowance each year.

Can you modify a Motability car?

The Motability Scheme lets eligible drivers add modifications and adaptations to their new car.

Can you drive a mobility car as soon as you pass your test?

You can learn to drive in your Motability vehicle as long as: You have a provisional licence. You are listed as a permitted driver on the Certificate of Motor Insurance. You are accompanied by a driver who is over 21 and holds a full valid licence for at least three years.

Can you smoke in a Motability car?

You are allowed to smoke in your Motability car. Motability Scheme cars are hired to customers for private use and the 'smoke-free' legislation does not apply to private cars.

Can I keep the same Motability car after 3 years?

The end of your lease. At the end of your lease you just hand your car back and if like most customers you choose to stay with us, you can select a new car and take another lease. Motability Scheme leases generally run for three years from the date that you took delivery of your car.

Can I keep my Motability car for an extra year?

Or, if you have adaptations on your car or the mileage is likely to be less than 15,000 at the end of the agreement, it may be possible to keep the car for a further one or two years. You may be able to request a lease extension in the 'Current lease' section of your Motability Scheme online account.

Where do ex-Motability cars go?

Motability Operations Ltd sell all cars that are received back at the end of contract. This is done through the combination of an online system with a network of dealers. If you are interested in an ex-Motability car, you should contact your local dealer to see if any are available.

Why are there so few cars on Motability?

The shortage of even a single chip can – and is – significantly impacting car production. This is why the latest prices for the Motability Scheme may be a little different to what you are used to. You may have noticed that a few car brands are currently unavailable on the Scheme.

Do Motability cars go to auction?

Ex-Motability Cars are competitively priced in the auctions, especially those with refurb required. G3 are the only auction offering mechanical reports to de-risk buying. This means that, as a buyer, you could acquire a 1 owner car for a better price at auction.

How long can you keep a Motability car after someone dies?

Once you have told us that a customer has passed away, any named drivers can keep using a car or Wheelchair Accessible Vehicle ( WAV ) for up to two weeks before handing it back to a dealer. You do not need to remove any adaptations before handing the vehicle back and can hand it back sooner if this is easier for you.