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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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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ladyamy · 25/11/2025 19:48

MidnightPatrol · 25/11/2025 16:57

Well that’s going to be phase two of this situation isn’t it - people are now questioning why exactly so many people are able to claim this mobility benefit at such a high rate.

That’s what I don’t understand either, as someone with Multiple Sclerosis (physical and neurological symptoms) who receives standard rare, I have a feeling people are saying it makes them anxious to plan a journey, go on public transport etc (anecdotal evidence) as the physical mobility criteria is very high. I suppose I could say that too but I just wasn’t brought up that way.

GeneralPeter · 25/11/2025 19:50

Goalpace · 25/11/2025 16:57

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

A) Zero
B) None
C) Nil
D) £0

The cost of the VED and VAT foregone, surely at least?

So somewhere between £2k and £9k per car.

VED has an Expensive Car Supplement, so toward the top end of that range for the cars under discussion.

Or do you mean that if these cars aren’t on the scheme that no one would buy them privately? (Therefore no tax actually forgone vs the counterfactual)

MidnightPatrol · 25/11/2025 19:51

Sharptonguedwoman · 25/11/2025 18:25

So you can't have a nice car if you're disabled? Got you. People have to pay a deposit 'You’ll probably need to make a payment upfront if you choose a more expensive vehicle'

Of course disabled people can have a nice car.

The question isn’t that - but a) should the government be funding lease agreements on expensive cars and b) who should be receiving that.

itsgettingweird · 25/11/2025 19:55

MidnightPatrol · 25/11/2025 19:51

Of course disabled people can have a nice car.

The question isn’t that - but a) should the government be funding lease agreements on expensive cars and b) who should be receiving that.

The government doesn’t fund the lease on expensive cars.

The government lays a PIP or DLA amount monthly to either the disabled person or towards motability for the car. That payment remains the same regardless of the make model adaptions driver etc of the car.

colorpie · 25/11/2025 19:55

YABU the payments won't change. My friend is a hospital consultant who needs an adapted car due to being paralysed from the waist down, why shouldn't he be able to have the car he wants and is best suited to his needs if he can afford it?

gallivantsaregood · 25/11/2025 19:59

BusyBumbling · 25/11/2025 16:50

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

You don't understand how the scheme works. People don't get grants to allow them to have just any car they fancy. If a grant is awarded, its awarded for the lowest priced car which meets the person's assessed needs. They need to prove their specific needs to the grants team. The grants team will then list a couple of options, thus removing much of a choice at all. More recently it's becoming almost impossible to get a grant for any car which is not fully electric which discriminates against those who cannot have a home charger, who may live very rurally with little to no access to local public chargers, and those where the person's disability means they could not manage the stopping/waiting required to charge when out and about/en route to further away appointments etc.

MarbleHunt · 25/11/2025 19:59

Marshmallow4545 · 25/11/2025 18:02

This is where stats are completely unhelpful.

An average cost for a disabled person is assuming there is homogeneity amongst disabled people when there often is none. A quarter of the population are disabled but they obviously aren't allowed incurring costs of £1k a month for their ADHD or dyslexia. PIP is needs related so it is totally possible that you get a relatively big award for a 'cheap' disability and vice versa.

There also of course will be plenty of non disabled people battling chronic health conditions who will be shelling out a fortune each month to manage their health. Half of the population have a chronic health condition but most of these aren't considered disabled.

The world is grey and funding some people to lease expensive cars whilst we completely ignore the needs of others is pretty awful. We don't have enough money to give everyone what they want or even what they need to mitigate the impact of disability and poor health. We therefore need to be smart with the money we do have and part funding expensive cars isn't the way to go about it unless there is a specific need.

Not everyone disabled is entitled to PIP (the majority are not). Not everyone entitled to PIP claims it. Why would you put yourself through that humiliation if you didn’t have to do so? And not everyone who does receive PIP gets the same amount of money. Some is for care needs, some is for mobility needs, and there are different rates for each depending how significantly the disability restricts the person from basic tasks like washing, eating, dressing, or walking.

Only those who are entitled to PIP AND claim it AND have a disability that impacts their mobility AND that disability impacts their mobility so severely they receive the highest rate of mobility payment are eligible to use the mobility part of their PIP (PLUS £X amount of their own savings/ earnings depending which car they choose and how expensive it is, i.e. they pay the additional cost of a more expensive car themselves and it doesn’t impact the taxpayer at all) to lease a car through Motability.

It is, therefore, obviously quite ludicrous to try to compare the total number of people in the population who have some kind of disability (defined in law as a long-term health condition persisting for over 12 months which impacts their daily life) with those eligible to pay to lease a car through Motability, who are a tiny proportion of the people who have some kind of disability: those who have the most severe mobility issues and can only walk very short distances (or not at all) or live in chronic pain.

Their use of the scheme or which car they choose to lease if they do so makes no difference whatsoever to the amount paid as disability benefits. If they do not choose to lease a car or mobility scooter they will receive the same amount in cash instead of using it to pay a Motability lease, so that they can instead lease or buy a car or scooter privately or pay for taxis, etc.

There have been some problems with criteria allowing people with significant mental illness such that they are a danger to themselves or others if walking/ using public transport to access the scheme, which some people reportedly have been abusing.

The answer to that is more stringent evidence being required to claim for mental health conditions, not restricting the choices of disabled people to choose to use their money to lease a car that best suits their needs or that they simply happen to prefer, given it has zero impact on anybody else. Why shouldn’t they? They are the ones funding it with money which is theirs to spend as they see fit.

MeouwKing · 25/11/2025 20:02

What if they can't drive? Can they use the money to buy a car for a family member, who then presumably can drive them around?

Ralphiethedog · 25/11/2025 20:02

ladyamy · 25/11/2025 19:48

That’s what I don’t understand either, as someone with Multiple Sclerosis (physical and neurological symptoms) who receives standard rare, I have a feeling people are saying it makes them anxious to plan a journey, go on public transport etc (anecdotal evidence) as the physical mobility criteria is very high. I suppose I could say that too but I just wasn’t brought up that way.

Yeh exactly. We’re not living in lavish times in this country, and yet those that are ‘too anxious’ to get a bus get money for taxis and cars. It’s a farce! It has to stop.

godmum56 · 25/11/2025 20:03

TheFairyCaravan · 25/11/2025 19:15

Now you’re definitely talking bollocks. The vast majority of adaptations come with a cost.

its calculated into the advance payment unless it can be sourced via another funding option

godmum56 · 25/11/2025 20:04

MeouwKing · 25/11/2025 20:02

What if they can't drive? Can they use the money to buy a car for a family member, who then presumably can drive them around?

the car is not bought, its leased.

caringcarer · 25/11/2025 20:05

Fooshufflewickjbannanapants · 25/11/2025 17:00

But as someone who qualified for a grant towards a WAV they only grant the amount for a NEED not a want, so they start off with the smallest grant, get an independent assessor to look at the vehicle with you and the equipment you need to transport and if that fits then that’s what you get, if it doesn’t they then move to the next size etc.

This seems fair and reasonable.

BlueandWhitePorcelain · 25/11/2025 20:06

YorkshireGoldDrinker · 25/11/2025 18:23

And for those folks who work 40+ hours a week just to survive who can't afford a luxury vehicle? What becomes of them? Or do we pretend that they don't exist?

They are not paying enough tax to pay for what they get out of the welfare state, never mind supporting disabled people. It’s just green eyed jealousy and it’s pathetic, when they wouldn’t want the disability that goes with it!

Overthemhills · 25/11/2025 20:06

@Ralphiethedog i suspect that there aren’t too many people who qualify for PIP in that way.. might be some but I can’t imagine it’s many. I mean you can’t just “say” that and not prove it…

UserFront242 · 25/11/2025 20:09

Ralphiethedog · 25/11/2025 20:02

Yeh exactly. We’re not living in lavish times in this country, and yet those that are ‘too anxious’ to get a bus get money for taxis and cars. It’s a farce! It has to stop.

The people I know that are too anxious to get a bus would be pretty much stuck at home if they did not have PIP to pay for taxis. They would not be able to attend the support groups set up to support them for starters.

Ralphiethedog · 25/11/2025 20:10

Overthemhills · 25/11/2025 20:06

@Ralphiethedog i suspect that there aren’t too many people who qualify for PIP in that way.. might be some but I can’t imagine it’s many. I mean you can’t just “say” that and not prove it…

75% of pip claims for the under 25 are for mental health conditions. This is the issue the country is facing. No one wants people in a wheelchair with MS to have their car taken away, but so many people are taking the piss we have no money left.

Ralphiethedog · 25/11/2025 20:12

UserFront242 · 25/11/2025 20:09

The people I know that are too anxious to get a bus would be pretty much stuck at home if they did not have PIP to pay for taxis. They would not be able to attend the support groups set up to support them for starters.

So they find another way of getting there or don’t go at all. They need to use some initiative rather than constantly getting the begging bowl out! The state cannot afford to provide an alternative.

GeneralPeter · 25/11/2025 20:16

@MarbleHunt

and it doesn’t impact the taxpayer at all) to lease a car through Motability.

which car they choose to lease if they do so makes no difference whatsoever to the amount paid as disability benefits.

These two statements are not the same, because there is a subsidy baked into the scheme in the VED and VAT treatment.

That subsidy/tax break is more for more expensive cars.

This debate reminds me of the state pension one, in that there is a subsidy that’s not always obvious to the user.

It makes for terrible public policy debate because instead of debating what cost is appropriate, we get stuck into “I’ve paid for it” “No you haven’t” pantomime.

Sirzy · 25/11/2025 20:16

ladyamy · 25/11/2025 19:48

That’s what I don’t understand either, as someone with Multiple Sclerosis (physical and neurological symptoms) who receives standard rare, I have a feeling people are saying it makes them anxious to plan a journey, go on public transport etc (anecdotal evidence) as the physical mobility criteria is very high. I suppose I could say that too but I just wasn’t brought up that way.

You can’t just say “I’m too anxious” and then get benefits!

The bar is set very high. I have a just turned 16 year old who we are about to transition to PIP. We have to send a lot of evidence to show the extent of his disabilities including his very well documented anxiety and inability to communicate with anyone who isn’t a “safe” person. Even with all of that it’s not a given he will get PIP.

Overthemhills · 25/11/2025 20:17

@sirzy and even more difficult to show that he needs enhanced rate I expect! It’s not as straightforward as some one have the public believe

UserFront242 · 25/11/2025 20:18

Ralphiethedog · 25/11/2025 20:12

So they find another way of getting there or don’t go at all. They need to use some initiative rather than constantly getting the begging bowl out! The state cannot afford to provide an alternative.

If they didn't go, they would have no interaction with other people at all. They are using their PIP money as it was intended.
But I guess you are one of those people that think the disabled should be stuck at home. Out of sight and out of mind, eh? And if they are not leaving the house, they can't possibly need PIP.

ladyamy · 25/11/2025 20:23

Sirzy · 25/11/2025 20:16

You can’t just say “I’m too anxious” and then get benefits!

The bar is set very high. I have a just turned 16 year old who we are about to transition to PIP. We have to send a lot of evidence to show the extent of his disabilities including his very well documented anxiety and inability to communicate with anyone who isn’t a “safe” person. Even with all of that it’s not a given he will get PIP.

Fair enough, obviously some people do though, I’ve seen it myself. Referring more to adults, who will be abusing the system to get a car (yes it is free, in my book if you don’t work for it, it’s free) There’s no physical or medical test for ‘anxiety’ though, is there.

UserFront242 · 25/11/2025 20:25

ladyamy · 25/11/2025 20:23

Fair enough, obviously some people do though, I’ve seen it myself. Referring more to adults, who will be abusing the system to get a car (yes it is free, in my book if you don’t work for it, it’s free) There’s no physical or medical test for ‘anxiety’ though, is there.

Edited

There is no medical test for lots of things.

itsgettingweird · 25/11/2025 20:26

ladyamy · 25/11/2025 19:48

That’s what I don’t understand either, as someone with Multiple Sclerosis (physical and neurological symptoms) who receives standard rare, I have a feeling people are saying it makes them anxious to plan a journey, go on public transport etc (anecdotal evidence) as the physical mobility criteria is very high. I suppose I could say that too but I just wasn’t brought up that way.

It’s one area that infuriates me (and I support the scheme) that it’s seemingly harder to get the mobility part for physical disability than learning/ mental health in some cases.

and I say that as someone with first hand experience because my ds has both hereditary spastic paraplegia and autism!

ladyamy · 25/11/2025 20:27

UserFront242 · 25/11/2025 20:25

There is no medical test for lots of things.

Such as? Multiple sclerosis? Cerebral Palsy? Parkinson’s? MND?

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