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To think this is a fair change to the Motability scheme...

446 replies

BusyBumbling · 25/11/2025 16:44

BBC News - 'Premium' cars like BMW and Mercedes cut from Motability scheme
https://www.bbc.com/news/articles/cd9znkxq47xo

It's still supporting disabled people with the cost of owning a car whilst also supporting the British car industry. I think public opinion has been listened to on both sides and this seems very sensible.
It may also reduce some of the costs of the grants paid from the scheme which were helping fund the upfront cost for premium cars for poorer claimants.

A close-up shot shows three BMW cars parked in a diagonal row on a paved surface. The front car is white with a prominent grille and headlights, while a red BMW sits behind it, followed by another white BMW.

'Premium' cars like BMW and Mercedes cut from Motability scheme

Motability says it will provide vehicles that meet disabled peoples' needs and are safe and affordable.

https://www.bbc.com/news/articles/cd9znkxq47xo

OP posts:
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MarbleHunt · 26/11/2025 00:30

ninjahamster · 26/11/2025 00:02

Ah sorry, I should not have posted about that, have requested deletion.

Please don’t listen to the stupid people here. Do you have anybody with you?

MarbleHunt · 26/11/2025 00:23

Pandersmum · 26/11/2025 00:11

Not true.

If an individual in receipt of PIP had to fund a car independently, they would be required to pay VAT on the vehicle and therefore revenues to HMRC would be increased.

So whilst the level of paid out benefit would be the same, the tax revenues received and therefore available to be spent on other things by the Government would be increased.

I see. And how much does that add up to annually - the VAT on the non-adapted vehicles and only the additional top-up payment on the ones considered to be “luxury”?

An absolute triviality in terms of the national budget. It also seems to be the case per the existing tax law that any car (even non-adapted) would be exempt from VAT if bought by a disabled person because they require the specific functions that it has as standard (auto-defrost, auto-park, 360 cameras, paddle gear changes, auto-stop, or many other safety features) without needing the specific blanket VAT exemption for the Motability scheme to make their orivate purchase/ lease also VAT exempt, in just the same way that a walking stick purchase by an able-bodied hiker is not exempt from VAT but a walking stick purchased by someone disabled who uses it as a disability aid is exempt, under existing VAT law without the specific exemption.

Presumably Government granted this blanket VAT exemption for Motability vehicles to save itself money because otherwise it will have to assess the merits of whether a car qualifies as having features that make it a disability aid separately in every individual case every time a disabled person leases or buys one privately, rather than relying on the fact that the severity of the person’s disability has been verified already by the DWP. That’ll be thousands of additional civil servants it needs to employ in HMRC.

Personally, I hope a large number of people now leave the Morability scheme and use their money to lease/ buy vehicles privately instead then bombard the Government with VAT exemption applications for every single purchase which will cost them billions in administration costs to process. It might teach them a lesson and will serve them bloody right. I’ll happily watch Reeves cry again when her latest attempts to make disabled people suffer for her incompetence and ineptitude don’t pay off.

Overthemhills · 26/11/2025 00:18

@ninjahamster
Please talk to me - I’ve taken the liberty of DM-ing you.
For the love of fuck don’t let the clowns on here with their fucking no sense about benefits and mental health get to you. I have a severely disabled DD and I get how low life can feel in that respect I also have (to a lesser extent now) PTSD and have certainly had self-harm and suicidal ideation at several points . Please at least talk to me.

ninjahamster · 26/11/2025 00:11

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Pandersmum · 26/11/2025 00:11

Goalpace · 25/11/2025 16:57

What - exactly - would the saving to the tax-payer be?

A) Zero
B) None
C) Nil
D) £0

Not true.

If an individual in receipt of PIP had to fund a car independently, they would be required to pay VAT on the vehicle and therefore revenues to HMRC would be increased.

So whilst the level of paid out benefit would be the same, the tax revenues received and therefore available to be spent on other things by the Government would be increased.

MarbleHunt · 26/11/2025 00:10

Some more graphs…

To think this is a fair change to the Motability scheme...
To think this is a fair change to the Motability scheme...
To think this is a fair change to the Motability scheme...
DontGoJasonWaterfalls · 26/11/2025 00:10

ninjahamster · 26/11/2025 00:02

Ah sorry, I should not have posted about that, have requested deletion.

Please reach out for help.

Samaritans 126 123
NHS 111 and press 2 for mental health help
If you don't feel you can talk, text SHOUT to 85258
You can speak to CALM over WhatsApp or phone, 0800 58 58 58.

I know everything feels dark and endless right now but there are people who will listen.

MarbleHunt · 26/11/2025 00:10

Some graphs

To think this is a fair change to the Motability scheme...
To think this is a fair change to the Motability scheme...
To think this is a fair change to the Motability scheme...
MarbleHunt · 26/11/2025 00:09

GeneralPeter · 25/11/2025 21:50

@MarbleHunt I think that's a much better ground to be debating policy on, i.e. what should a decent society fund, what is the return on different types of spending, what are the trends in spending and impact on the total.

We agree we go wrong when policy debates are rooted in misperceptions. This board shows many (most, maybe) people arguing on the grounds that it costs the public nothing extra for a disabled person to buy a car via Motability vs directly, or to buy a more expensive Motabilty car vs a less expensive one.

Regardless of whether that extra is good or bad, it's just false that there is no extra cost.

VAT on Motabiltiy is nil because of a special rule for the scheme. That's different from normal VAT rules where only substantially modified cars benefit. IPT is also nil for Motabiltiy cars, vs full rate for a disabled person buying normally.

These are worth several thousand pounds per car on top of the allowance.

This is why it reminded me of the pension debate. No, NI does not fund the state pension. Similarly, a not-obvious subsidy. You see a parallel with Brexit. I think that using duff figures is unhelpful regardless of what debate, or what side you. Good debate is something like: "we think £1 spent on Motability renders £x in public benefit. Is that multiple still favourable when talking about the marginal subsidy of a luxury car versus a standard one, or are there other areas of public services that would do more with that money?

I suspect the public benefit of subsidising the luxury over the standard car is no longer a good way of spending public funds, versus other options.

(I looked up public spending on disabled people, which grew from 0.2% in 1985 to 1.6% this year, per OBR. So a seven-fold increase. I'm sure there are many reasons, including ageing, but it's not static at all. Where are your figures from?).

https://obr.uk/forecasts-in-depth/tax-by-tax-spend-by-spend/welfare-spending-disability-benefits

Edited

Goodness. I don’t think I need your approval for stating economic and fiscal facts, despite them being in very short supply on this thread.

As for your query about data, I spend much of my time reading economic reports so can’t remember where every statistic has come from but your claims here have been manifestly false as any glance at the data will show you.

I will attach some graphs for you. They show:

  1. UK spending on “incapacity” / disablity is very low in comparison to OECD averages.
  2. UK welfare spending in general is low in comparison to other European countries
  3. Spending on working-aged welfare has remained relatively static with small fluctuations between 4% and 6% of GDP since 2000, and is currently around 5%
  4. Of this, less than 1% has been spent on disability benefits and the same on incapacity benefits throughout and this remains the case. Note also that some fluctuations are due to changing benefit criteria moving people from one category to another so small and statistically insignificant changes are meaningless given the entire amount is under 1% in each category
  5. Total incapacity benefits are around 0.9% of GDP, exactly the same as in 1978-9. They peaked at 1.3% of GDP in the mid-1990s
  6. The incapacity benefit caseload is rising farely evenly across the population age cohorts, but increasing gradually as is to be expected in an ageing society with a failing health service that isn’t fit for purpose and following a pandemic which has caused many long-term health problems, as they always do
  7. That said, the highest increase in claims by far has come from over 55s, from older women in particular. No doubt some of this driven by angry WASPIs furious that they couldn’t get their pensions early so deciding to be too ill to work instead.

Graphs to follow in separate posts due to attachment limits.

Sources are OBR, ONS, Parliamentary documents, DWP data and reports, economic analysts etc.

ninjahamster · 26/11/2025 00:02

This reply has been deleted

This message has been withdrawn at the poster's request

Ah sorry, I should not have posted about that, have requested deletion.

DogsAreNice · 26/11/2025 00:02

This reply has been deleted

This message has been withdrawn at the poster's request

Please don't be serious. I'm so so sorry.

Ihad2Strokes · 26/11/2025 00:01

Sirzy · 25/11/2025 17:34

I hope those people so gleeful at taking away from disabled people remember that everyone is just one accident or illness away from disability.

Yes, my stroke happened in the night, went to bed as usual, woke up disabled.

its been a fantastic year 🙇🏻‍♀️

I don't use the motability scheme because it's actually not that great a deal (IMO) but the glee that the choice of vehicles is being restricted is vile. So much nastiness.

maybe now that I'm disabled I should give away anything nice I own & beg for donations of old & broken things. I realise I'm no longer 'worthy' of nice things.

Overthemhills · 25/11/2025 23:56

@ninjahamster
Please tell me you aren’t serious about ending your life?
I know how horrible things are on so many ways but please that’s a turn of phrase

ninjahamster · 25/11/2025 23:49

This reply has been withdrawn

This message has been withdrawn at the poster's request

Obeseandashamed · 25/11/2025 23:38

The Mercedes v class being taken off the list is wrong. I know lots of people use this car as it’s easy to adapt compared to others. They need to not blanket ban brands and consider individual requirements.

WaitingForMojo · 25/11/2025 23:37

BusyBumbling · 25/11/2025 23:22

"VAT on Motabiltiy is nil because of a special rule for the scheme. That's different from normal VAT rules where only substantially modified cars benefit. IPT is also nil for Motabiltiy cars, vs full rate for a disabled person buying normally.
These are worth several thousand pounds per car on top of the allowance."

A good explanation @GeneralPeter to those questioning how the scheme is subsidised by the taxpayer.

That doesn’t mean the scheme is subsidised by the taxpayer!

WaitingForMojo · 25/11/2025 23:35

BusyBumbling · 25/11/2025 16:50

Just out of interest to those who vote YABU can I ask why exactly?

Because it doesn’t save a single penny, The saving is £0. It’s all for show and keeping disabled people in their place.

MarbleHunt · 25/11/2025 23:34

BusyBumbling · 25/11/2025 23:22

"VAT on Motabiltiy is nil because of a special rule for the scheme. That's different from normal VAT rules where only substantially modified cars benefit. IPT is also nil for Motabiltiy cars, vs full rate for a disabled person buying normally.
These are worth several thousand pounds per car on top of the allowance."

A good explanation @GeneralPeter to those questioning how the scheme is subsidised by the taxpayer.

Not charging tax on something isn’t the taxpayer “subsidising it”. Unless you believe everything in the country is Government property to begin with, of course.

BusyBumbling · 25/11/2025 23:31

DogsAreNice · 25/11/2025 23:25

If they need the pip to get around...... And then they use the money for the car.... It's fair isn't it?

Like I don't know the extent of people's disability. I've not walked a mile in their shoes.

Nobody is saying the Motability scheme isn't a good idea. I'm just saying that these changes are sensible and fair to both disabled people and taxpayers. It's a balance, one that I think was slightly out of kilter.

OP posts:
DogsAreNice · 25/11/2025 23:25

BusyBumbling · 25/11/2025 23:22

"VAT on Motabiltiy is nil because of a special rule for the scheme. That's different from normal VAT rules where only substantially modified cars benefit. IPT is also nil for Motabiltiy cars, vs full rate for a disabled person buying normally.
These are worth several thousand pounds per car on top of the allowance."

A good explanation @GeneralPeter to those questioning how the scheme is subsidised by the taxpayer.

If they need the pip to get around...... And then they use the money for the car.... It's fair isn't it?

Like I don't know the extent of people's disability. I've not walked a mile in their shoes.

BusyBumbling · 25/11/2025 23:22

"VAT on Motabiltiy is nil because of a special rule for the scheme. That's different from normal VAT rules where only substantially modified cars benefit. IPT is also nil for Motabiltiy cars, vs full rate for a disabled person buying normally.
These are worth several thousand pounds per car on top of the allowance."

A good explanation @GeneralPeter to those questioning how the scheme is subsidised by the taxpayer.

OP posts:
DogsAreNice · 25/11/2025 23:12

MarbleHunt · 25/11/2025 23:01

It is interesting that when one has detailed discussions with fixed income portfolio managers at pension funds or insurance firms (i.e. the main buyers of gilts) about their economic concerns re. the UK and latest imminent attempt at economic Kamikaze (if the leaks on Reeves’ idiotic policy suggestions are to be believed) not a single one has ever even mentioned the Motability scheme.

I wonder why…

Do they not talk about the welfare bill at all?

DogsAreNice · 25/11/2025 23:04

MarbleHunt · 25/11/2025 23:01

It is interesting that when one has detailed discussions with fixed income portfolio managers at pension funds or insurance firms (i.e. the main buyers of gilts) about their economic concerns re. the UK and latest imminent attempt at economic Kamikaze (if the leaks on Reeves’ idiotic policy suggestions are to be believed) not a single one has ever even mentioned the Motability scheme.

I wonder why…

I doubt it's a big deal and a strain on the budget. I have to admit. Disabled people need transportation to get from A to B

MarbleHunt · 25/11/2025 23:01

It is interesting that when one has detailed discussions with fixed income portfolio managers at pension funds or insurance firms (i.e. the main buyers of gilts) about their economic concerns re. the UK and latest imminent attempt at economic Kamikaze (if the leaks on Reeves’ idiotic policy suggestions are to be believed) not a single one has ever even mentioned the Motability scheme.

I wonder why…

GeneralPeter · 25/11/2025 22:57

NeverDropYourMooncup · 25/11/2025 22:48

How about your entirely false claim that the vehicles are owned by the claimants?

Possibly better to get your facts in order before you start lecturing others, really.

Yes — typo for which I apologise.

You seem cross with me.

Do you agree or disagree that good policy debate is based in facts, consideration of what we want society to be, how public money is best spent, and that if we are debating numbers it’s good for them to be accurate ones?