Motability Accidents and insurance
We’ve arranged insurance cover for every vehicle leased through the Motability Scheme, together with Direct Line Motability (DLM).
What's covered by your insurance
- Loss of or damage to your vehicle
- Accidental damage
- Fire or theft damage
- Repair or replacement glass
- In-car equipment (like a radio) permanently fitted or given with the car
- Adaptations and modifications that are needed, which we've agreed to and which our insurance provider has been told about
- Any accessories or tools given with the vehicle
- Replacement locks if the keys have been stolen and the theft reported to the police
- Driving your vehicle for voluntary or charitable work, as long as you do not receive a fixed, regular payment for this
- Travel to and from your normal workplace. Drivers who do not live with you might not be covered for these journeys. We'll discuss this with you at the start of your lease
The excess amount varies depending on your age and experience as a driver.
You can find this on your agreement which is available in your Motability Scheme online account, and your insurance policy document which you can find in your DLM insurance portal.
If your car needs to be repaired, you’ll need to pay the excess for each incident before the repair starts.
You'll need to pay the cost of any replacement keys.
You'll need to pay for any replacement locks too, unless the keys have been stolen and the theft reported to the police.
You'll need to arrange your own contents insurance for personal items like wheelchairs, coats and mobile phones. You could extend your household contents insurance to cover these.
Any optional extras or other equipment fitted which are not needed for you to use the vehicle will not be covered.
If you've fitted equipment without our agreement or our insurance provider's, it will not be covered.
Any damage to the inside, including rips, stains and burns to the trim are not covered. You might need to repair these at your own cost.
You do not need to pay for any routine repairs.
You're not covered to drive any other vehicle unless we've given you the vehicle and approved it.
Only the drivers shown on your Certificate of Motor Insurance are covered to drive the Scheme vehicle.
Other drivers are not allowed to drive your Scheme vehicle, even if they have fully comprehensive insurance which allows them to drive other cars.
You might be held responsible for any loss or damage when someone not named on your policy is driving, and you might not be able to lease through the Scheme again.
You can change your drivers at any time, as many times as you want.
If you need to use the car for business reasons other than the journey to your usual workplace, you'll need to contact our insurance provider and ask for this.
Business-use cover will not begin until you receive a new, current Certificate of Motor Insurance showing this cover.
So you know, our insurance provider can only give you this for your current lease. You'll need to contact them and reapply for each new lease.
What to do if you've had an accident
We've arranged insurance cover for your Motability Scheme car or Wheelchair Accessible Vehicle (WAVWheelchair Accessible Vehicle), together with Direct Line Motability (DLM).
You can find details about your cover, manage your drivers, and register a claim in your Motability Scheme online account.
You’ll need to read your insurance cover booklet to learn about your full cover. Alternatively, you can call them on 0300 037 3737.
What to do if you've had an accident
- Being in an accident can be worrying, but we're here to support you.
- Try to remember these tips if you or one of your drivers has an accident:
- Stay calm, make sure everyone is safe and do not admit fault
- Call an ambulance by dialling 999 if anyone is injured. Call the police on 101 (the non-emergency number) if the other driver leaves without giving their details
- Make a note of the other driver's details and any witnesses. Take pictures of the cars, drivers, passengers, damage and the accident scene from several angles
- Report the incident to our insurance provider
- If you're not able to drive the car, call the RAC for roadside assistance
Roadside support and assistance
Call RAC Motability Assist on 0800 73 111 73, or call 0333 202 1878 for roadside assistance.
They're available to help all day, every day, all year round. They'll pick up your vehicle and take it to a repairer, who will let you know whether it needs repairs or not.
The car will only be repaired to its original specification. Damage to non-standard equipment or modifications fitted without our insurance provider's agreement are not covered.
They'll keep you up to date with the progress of your repairs, and you might be able to get a replacement vehicle while you wait.
Frequently asked questions
You can find out what excess you need to pay for insurance claims in your lease terms and conditions.
To check the amount, or if you have any questions, contact the Motability insurance provider.
Contact our insurance provider. If it was not your fault, you're entitled to legal expenses cover.
They'll instruct a solicitor on your behalf at no cost to you and they'll deal with the claim for compensation.
Passengers are entitled to the same legal expenses cover no matter whose fault the accident is.
You might be entitled to money back if you’ve been without your vehicle and without a replacement or other way of keeping mobile.
You will not get a no-claims bonus, because we own the vehicle.
If you leave the Scheme
Our insurance provider might give you a claims history letter to show any claims you or your other drivers have made.
You should be able to ask for this in your Motability Scheme online account, or you can call them on 0300 037 3737.
We’ll support you with replacement travel if your vehicle has been ‘written off’.
We understand this can be difficult for you. We’ll do our best to give you as suitable a replacement as possible, or we’ll offer you other solutions for your essential travel needs.
If we give you a hire car, you’ll need to find, apply for and get your next Scheme vehicle within three months. This means you’ll need to collect or get it delivered before then.
Please apply for your next Scheme vehicle within 14 days of our insurers letting you know your current Scheme vehicle has been ‘written off’. Make sure you know the delivery times first. You can try similar cars from other manufacturers if it’s a long wait.
Need help with replacement travel? Use Motability’s tool
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