New $1,304 SSI Payments Hit Accounts: The Motability Scheme, an essential mobility solution for over 800,000 disabled individuals in the UK, has seen a major overhaul in 2025. This government-backed initiative continues to offer invaluable assistance by helping people lease brand-new vehicles using their mobility allowance. However, this year, several changes have taken place that could affect both new and existing claimants. If you rely on the scheme for daily transport or are planning to join soon, understanding these updates is critical.
From adjustments in eligibility rules and the end of the New Vehicle Payment to price hikes and expanded support for electric vehicles, the 2025 updates touch on virtually every aspect of the scheme. This comprehensive guide will walk you through everything you need to know to make the most of the Motability Scheme this year.
New $1,304 SSI Payments Hit Accounts
| Feature | Details |
|---|---|
| Eligibility | PIP (Enhanced Mobility), DLA (Higher Mobility), AFIP, WPMS, Scottish ADP/CDP |
| New Vehicle Payment | £750 payment ended 3 Jan 2025 for new customers |
| Advance Payments | Increased for many vehicles, especially petrol and diesel |
| Electric Vehicle Benefits | Free chargepoint installation or bp pulse subscription |
| Misuse Investigations | Over 35,000 checks in 2024; 5,300 users removed |
| Vehicle Options | 800+ vehicles including EVs and WAVs |
| Lease Package Includes | Insurance, servicing, MOT, tyres, breakdown, windscreen cover |
| Mileage Allowance | 60,000 miles for cars, 100,000 for WAVs |
| Application Link | motability.co.uk |
The 2025 Motability Scheme updates reflect both the challenges and opportunities of the modern transport landscape. With greater emphasis on green mobility, stricter compliance checks, and updates to financial policies, the scheme is adapting to remain relevant and sustainable.
Although the end of the £750 payment may be disappointing, the enhanced EV support and continued all-in-one leasing package offer incredible value for qualified individuals.
Whether you’re renewing, switching to an EV, or applying for the first time, there’s no better time to understand your options and make a well-informed decision.
What Is the Motability Scheme and How Does It Work?
The Motability Scheme allows qualifying individuals with a disability to lease a car, powered wheelchair, scooter, or Wheelchair Accessible Vehicle (WAV) using their government-provided mobility allowance. This lease covers everything you need to run a car hassle-free, including insurance, maintenance, breakdown recovery, and more.
The scheme has been in operation since 1977, consistently empowering disabled people to lead more independent lives. Today, it remains one of the UK’s most successful and widely accessed benefit-linked programs.
When you join the scheme, you typically sign a 3-year lease agreement (5 years for some WAVs), during which Motability takes care of the costs and logistics of vehicle upkeep, so you can focus on living life without worrying about repairs or surprise expenses.
Eligibility: Who Can Join the Scheme in 2025?
To apply for the Motability Scheme in 2025, you must receive one of the following mobility allowances:
- Personal Independence Payment (PIP) – Enhanced mobility rate
- Disability Living Allowance (DLA) – Higher mobility rate
- Armed Forces Independence Payment (AFIP)
- War Pensioners’ Mobility Supplement (WPMS)
- Scottish Adult Disability Payment (ADP) – Enhanced mobility (Scotland only)
- Child Disability Payment (CDP) – Higher mobility (Scotland only)
You must have at least 12 months remaining on your award to qualify. Check full details here: Allowances and Eligibility.
Financial Changes That May Impact You
End of the £750 New Vehicle Payment
Previously, new customers joining the scheme could receive a £750 payment to help offset initial costs. As of 3 January 2025, this offer has been discontinued for new applicants. Existing customers who joined earlier and were approved for the payment will still receive it.
This change marks a shift in how upfront affordability is approached, so it’s important for new joiners to plan their budget accordingly.
Increased Advance Payments
Due to supply chain disruptions, inflation, and higher manufacturing costs, Advance Payments (APs) on many vehicles have increased significantly. While some affordable models remain, petrol and diesel cars have become more expensive.
Example APs in 2025:
- Vauxhall Mokka Ultimate (Petrol) – from £199
- Nissan Qashqai Acenta Premium (Petrol) – from £499
- Toyota bZ4X Pure (Electric) – from £1,695
Despite these increases, the all-inclusive nature of the scheme still makes it more economical than traditional leasing or car ownership for many. Explore the full price list: Motability Scheme Price Guide.
A Greener Focus: Support for Electric Vehicles (EVs)
With the UK aiming to ban the sale of new petrol and diesel cars by 2035, Motability is actively promoting electric vehicles (EVs) by offering a wide range of incentives and models.
Key EV Perks:
- Free home chargepoint installation (where feasible)
- Three years of bp pulse network access, covering 50,000+ charge points
- Go Charge card for easier on-the-go EV charging
- Lower emissions and long-term savings on fuel and road tax
Already, over 70,000 users have switched to electric through Motability, and this figure is growing rapidly. The scheme offers dozens of EV models across multiple price ranges. More info here: Motability EVs Explained.
Preventing Abuse: New Crackdowns on Misuse
The scheme’s popularity has led to increased oversight. In 2024 alone:
- 35,899 cases of potential misuse were reviewed
- 5,300 users were removed for non-compliance
Examples of misuse include:
- Letting unauthorised people drive the vehicle
- Using the car for commercial purposes without proper approval
- Not updating your address or eligibility information
To help prevent misuse:
- Each vehicle can have up to 3 named drivers
- Vehicle tracking and policy updates are being considered
These policies ensure the scheme remains fair and effective for genuine users.
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What’s Included in Your Lease
Every lease from Motability includes the following:
- Comprehensive insurance for up to 3 named drivers
- MOT, servicing, and repairs at no additional cost
- Breakdown cover provided by RAC
- Tyre replacement and windscreen repair
- Mileage allowance:
- 60,000 miles over 3 years for standard cars
- 100,000 miles for WAVs
This holistic coverage means users are protected from most of the costs and responsibilities associated with traditional car ownership.
How to Apply Guide
Applying for the Motability Scheme is straightforward. Here’s how:
- Check your benefit award – Confirm that you receive a qualifying allowance.
- Browse available vehicles – Use Motability’s search tool to compare models.
- Book an appointment – Visit a Motability-accredited dealership for a test drive.
- Discuss adaptations – If needed, ask about available vehicle modifications.
- Place your order – Finalise your paperwork and wait for delivery.
- Most applications are approved quickly, and your dealer will guide you every step of the way.
FAQs On New $1,304 SSI Payments Hit Accounts
Q1: Can I still apply if my benefit is being reviewed?
A: No, you must have at least 12 months remaining on your current award.
Q2: Can I drive the vehicle for work?
A: Possibly. Business use is allowed with prior approval and the completion of a form via RSA Motability.
Q3: What if I need a custom adaptation?
A: Motability offers hundreds of adaptations, many at no extra charge—especially when ordered at the start of the lease.
Q4: Can I return my car early?
A: Yes, but early returns may come with charges unless there are extenuating circumstances.
Q5: Is home delivery available?
A: Some dealers offer home delivery—ask your local dealership for options.
