It feels like Motability is being hit by the same “greedflation” that’s affecting so many other sectors in the UK.
Despite holding billions in reserves, the scheme is pushing up advance payments and reducing choice. Because Motability operates as a monopoly, there’s no real competition to keep prices in check. On top of that, past reports have highlighted high executive pay and very large reserves, which makes it harder to accept why disabled customers are being squeezed while affordable car options shrink.
The official explanations (EV transition, insurance hikes, used car values) are valid, but the scale of the quarterly increases suggests the scheme is protecting margins first and customers second.