The Motability Scheme has been designed to allow disabled people to lease a new car by using their government-funded mobility allowance. The Scheme was originally created in 1978, since then Motability has helped over 3 million people get mobile with a brand new vehicle. Currently there are over 640,000 people benefiting from Motability across the UK.

With the Motability Scheme you can simply exchange all, or part of your mobility allowance, to lease a brand new car, Wheelchair Accessible Vehicle (WAV), scooter or powered wheelchair.

Whatever lease you pick - the price always includes...

  • Insurance cover from RSA Motability
  • Servicing and maintenance
  • A range of adaptations where needed
  • Full breakdown assistance
  • Up to two named drivers for cars and WAV's


  • Tyre repair and replacement, windscreen repair, MOTs and road tax
  • 60,000 mileage allowance over three years, or 100,000 over five years for WAVs
  • Battery replacement for scooters at no extra cost
  • Support from our dedicated UK based Customer Services team (who were recently voted best in the UK)


Additional Drivers

You can also have up to two named drivers using the car. These can be either yourself, a friend, family or carer. A third driver can be added at an additional cost. So this means even if you don't drive yourself you can still lease a car, just nominate two drivers who will drive on your behalf.

It is recommended that any nominated drivers live within five miles of the disabled customer's address. The proposed drivers must also agree to the terms and conditions for using a Motability car.

Only one nominated driver under 21 is permitted, which may be you or another driver who lives at the same address. Also, drivers under the age of 25 may only drive cars in the lower ABI insurance groups of 1 to 16, with the car having a brake horsepower rating of 115BHP or less.

Please also consider that proposed drivers with specific convictions, endorsements or disqualifications within the last 5 years will not be allowed to be an appointed driver. Speak to your Underwoods Motability Specialist for more information.


Choosing a Motability Car at Underwoods

When choosing a new vehicle, there is a lot to consider, including cost, suitability and fuel consumption. This is where Underwoods experienced Motability Specialists come in, so to make it easier to find a vehicle that suits your specific needs, we have outlined a few key things to consider that may help you decide;

What types of journeys will you regularly make? For example, will you:

  • visit local friends or family
  • do your weekly grocery shop
  • travel to hospital appointments
  • take children to school
  • drive in slow traffic to work
  • drive long distances on holiday?

Other things you may wish to consider include:

  • how many people are going to travel in the vehicle regularly?
  • how much motorway driving will you do?
  • do you live in a busy town or city?
  • is parking a problem?
  • are you able to change gear easily?
  • will any mobility aid you may use fit in the car easily?
  • do you need to fit a scooter or wheelchair in the vehicle?

So consider carefully; if you live in town and the car will be used mainly for short journeys, a small city car may suit you, if you have a big family you may want to consider a large family car or MPV and if you changing change gear is difficult consider an automatic gearbox.

These changes in the vehicle specification can make a big impact on your comfort or the car’s suitability for you, e.g. seat height, angle of the door as it opens and seat belt positon can all make a very big difference.

Of course the very best thing to do is come down to your local Underwoods main dealer showroom in Colchester, Clacton, Sudbury and Tiptree. Please take a look round our showrooms for Vauxhall, Skoda, Mazda or Kia, try out a few different cars by different manufacturers and speak to one of our Motability specialists, they are here to help you!


Payment and cost of cars

To be part of the Motability Scheme you exchange all or part of your government-funded mobility allowance to lease your chosen vehicle. Underwoods are Motability main dealers for Vauxhall, Skoda, Mazda or Kia.

Above all, our aim at Underwoods is to provide the right car at the right affordability for all our Motability customers. With the Scheme there are 3 pricing options to choose from:

1. Less than your Allowance. Many cars cost less than your allowance. These are available to you at a fixed weekly cost for the whole of your lease agreement. The remainder of your allowance, which includes annual increases, is paid directly to you by the Department for Work and Pensions (DWP) or Veterans UK depending on which you receive.

2. All of your Allowance. You are able to increase your choice of car further by choosing to exchange all of your weekly mobility allowance. This payment will include any increases in your allowance during your lease.

3. Advance Payment. For the widest choice of car you can choose to add to your weekly allowance by paying a one-off upfront “Advance Payment”. This is an amount that is payable upfront to Underwoods in addition to your weekly mobility allowance.

The transference of your allowance to Motability Operations is very simple. This will be done by Underwoods for you. Your allowance is paid directly to Motability by the DWP or Veterans UK and you cannot alter the amount of the weekly payments.