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MG Motability FAQs

The Motability Scheme enables disabled people to lease a new car from Drive MG simply by exchanging their government funded mobility allowance.

Why join?

When you join the Motability Scheme you get a car as well as all the freedom that comes with a truly worry-free lease. Motability will arrange the insurance, breakdown assistance, servicing and maintenance, and everything’s already included in the price you pay.

So we take care of everything, you just add fuel and go! It’s a simple as that.

Am I eligible to join?

Check our Motability eligibility page to ensure you’re eligible for the Motability Scheme.

How do I start?

Check our website to find the new MG car that you’re interested in. Once you’ve found it, arrange a test drive to come and test it out. If you like it then we can get you started and order your vehicle.

What does it cost?

In the Motability scheme you exchange part or all of your mobility allowance to lease a car of your choice. These cars are available at a fixed weekly amount for the whole of your lease agreement. The remainder of your allowance, including any annual increases, will be paid directly to you by the Department for Work and Pensions (DWP) or Veterans UK allowance you receive.

To have a wider choice and select from the most expensive and advanced available vehicles you can also pay a one-off upfront advance payment. This is needed because your mobility allowance may not cover the cost for some larger or more expensive cars. These cars are allocated with an Advance Payment which represents the difference between the amount your mobility allowance covers over the three-year agreement period and the overall cost of the car you choose.

What does it cost to run?

Many things are already included in your lease, such as insurance, servicing and breakdown. The all-inclusive package may may make motoring more affordable but it is still worth thinking about running costs, particularly fuel, when choosing your Motability car. To keep the running costs down you may want to consider a more fuel efficient engine.

What adaptions are available?

If you require adaptations to help make driving, or travelling, easier or more comfortable, you’ll be pleased to know that many of the most popular ones are available at no additional cost when fitted at the start of your lease. Contact your local Drive dealership to discuss what adaptions you might want.

Do I own the car at the end of the lease?

No, as you are on a leasing scheme, ownership of the vehicle remains with Motability Operations. At the end of your agreement you will have three options:

  • Lease another car through the Motability Scheme
  • You may be able to keep your current car longer by extending your lease
  • Return your car and have your allowance reinstated

Drive Motor Retail Limited is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Drive Motor Retail Limited to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.

We can introduce you to a selected panel of lenders, which includes Vauxhall Finance. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to Vauxhall Finance, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to be make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and Vauxhall Finance also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.