Motability and Insuring Your Car Under This Program

This is a guest post by Miles Schmidt. Thanks to Miles.

Are you looking to purchase a car, but are disabled and worried about the high cost of modifying a car for your use? Those who fall into this category should look into the motability program offered by many UK car dealers. What is Motability? This is a program offered by UK dealers which allows you to drive a new car and use a portion or all of your War Pensioners’ Motability Supplement or Higher Rate Motability Component of the Disability Living Allowance to pay for it. There are no assessments, waiting lists or credit checks making it easy to get behind the wheel again and get back on the road.

There are some requirements that must be met in order to qualify for this program. Not only must you be receiving payment under one of the above programs, but you must receive a certain amount. For the War Pensioners’ program, you must receive at least £57.40 a week. For those who will be making use of a portion of their Disability Living Allowance, this amount drops to £51.40 a week. In addition, you must have a minimum of 12 months of your award length remaining to qualify. For those who are unable to drive under this program, relatives and friends may be able to be the named driver and the same is true if your child is the one who qualifies under the program.

If you believe this program is right for you and you have checked to ensure you are eligible, there are a few other things to consider. Look at the price and fuel consumption among other things. Ask about necessary adaptations and wheelchair accessible models. By doing so, you can feel comfortable knowing that you are getting a car that meets your every need.

Once you have received your car, you will need to have it insured. Many find this to be a difficult task to accomplish. Mainstream insurers often have a difficult screening process and you may encounter those who are not familiar with this program making the entire process even more complicated. When choosing an insurer, look for one who works with participants in the motability program on a regular basis. In addition, you want to ensure that the quote you receive is competitive. Don’t pay more than you have to. With the right insurer, you can be mobile again in a very little time.