As a former Regional Bank Manager and eventually a Full Board Director, I can confirm ( from perusing large numbers of rejected applications – albeit a few years back ) not only will very many disabled people not be able to meet the income requirements for a private lease on a new vehicle (and therefore there is a distinct advantage with Motability and not having an income assessment and check carried out) but also many will not pass a credit check , which of course , is not carried out alongside a Motability application!
The Motability scheme is an excellent scheme for the vast majority of the disabled , indeed, it may be the only scheme available for some, and we need to be careful not to encourage people to leave , as they may face disappointment elsewhere?
Of course, some people will be able to afford vehicles outside of the scheme, and are free to do so, but they should be wary of putting ideas into others minds!