a simple guide to getting it right when buying insurance
The Motability scheme has been running since about 1978 and is a Charity to help those who need assistance with being able to stay mobile or having access to specially adapted/wheel chair accessible vehicles. What’s great about this scheme is that you don’t even have to be able to drive, so friends, family or carers can drive the vehicle for you. Check out their site to see if you’re eligible.
Motability Insurance is normally provided through the Motability scheme and as such you will not need to shop around for insurance. However, be aware that you will not earn a no claims discount in your own name under this scheme. They can normally issue you with a letter to confirm you have been claim free, but this is not accepted by a lot of insurers as no claims discount proof. Why? Although you will be issued with insurance documentation in your name, the insurance is on a fleet basis and as such not actually in your name. You are essentially named on the Motorbility Insurance Fleet and fleet policies do not earn no claims discount.
If you had your own vehicle and insurance prior to a Motability Scheme policy, then your no claims discount has likely expired. Most Motability schemes run for 3 years and no claims discount usually expires after 2 years. Just bear this in mind when signing up to Motability, that you’re likely to have no no claims discount when you finish with the scheme.
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