No, you cannot get a used or second-hand car directly through the Motability scheme. The program is specifically designed to provide brand-new vehicles to eligible individuals in the UK. You lease a new car for three years using your government mobility allowance, which covers insurance, servicing, and breakdown cover.
How the Motability Scheme Works
The scheme operates as a three-year lease agreement. You choose a new car from a list of thousands of models available through participating manufacturers. Your weekly mobility allowance is assigned directly to Motability to cover the entire package. This all-inclusive approach is a significant benefit, as it removes the worries and unexpected costs associated with owning a used car, such as major repair bills. The vehicle must be returned at the end of the lease term, at which point you can choose a new car to start the process again.
Eligibility and Application
To qualify, you must be receiving one of these government allowances: the Higher Rate Mobility Component of the Disability Living Allowance (DLA), the Enhanced Rate of the Mobility Component of Personal Independence Payment (PIP), the War Pensioners' Mobility Supplement, or the Armed Forces Independence Payment. The application process is handled through a network of Motability-accredited car dealers.
Alternatives: Nearly-New and Used Cars
While you can't get a used car on the scheme, you can use your mobility allowance to purchase a used vehicle through other means. You would receive the allowance as a direct payment into your bank account. This gives you the freedom to buy a car from a used dealership or a private seller, but you would then be responsible for arranging and paying for all insurance, road tax, maintenance, and repairs yourself. This option offers more long-term ownership but requires careful financial planning.
| Consideration | Motability Scheme (New Car) | Using Allowance for a Used Car |
|---|
| Vehicle Type | Brand-new | Used (any age/mileage) |
| Upfront Cost | Possible advance payment | Full purchase price |
| Ongoing Costs | Covered by allowance | You pay for insurance, tax, repairs |
| Warranty | Full manufacturer warranty | May have limited or no warranty |
| Convenience | All-inclusive package | Fully self-managed |
Making the Right Choice
The decision depends on your priority for hassle-free, predictable motoring versus the desire for outright ownership. The Motability scheme provides peace of mind, while using your allowance to buy a used car offers greater flexibility and potential long-term value if you find a reliable model and can manage the ongoing costs.
