D. M. Keith: the Motability experts

Most customers choose the contract hire option, which gives you:

• A new car of your choice every three years
• Insurance and personal accident cover
• Servicing and maintenance
• Full breakdown assistance from RAC
• Free replacement tyres fitted by Kwik-Fit
• Window or windscreen replacement at no extra cost.
• This worry-free policy continues right to the end of your three-year contract with a seamless transfer to your new car.

Some customers may prefer to buy their own car, in which case the Hire Purchase scheme might be for you. You will be responsible for organising and paying for insurance, breakdown recovery, your car tax disc, servicing and repairs.

The Motability Hire Purchase (HP) Scheme. HP may suit you if:

• You want to own a car and use your mobility allowance to pay for it
• You require costly adaptations
• You plan to cover high mileage in your car
• Only the cash price of the car and the warranty may be financed with the Motability Hire Purchase Scheme.

The Government has begun to replace Disability Living Allowance (DLA) with Personal Independence Payment (PIP) for disabled people aged between 16 and 64. This process began in April 2013 in Great Britain and will begin in Northern Ireland from 20 June 2016. If you are awarded the Enhanced Rate of the Mobility Component of PIP, you will continue to be able to lease a car, scooter or powered wheelchair through the Motability Scheme.

The best explanation of the new scheme is on the Motability site (link below), or of course you could just ask us!