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No not really as Lease Schemes are not for disabled the Motability scheme has cars and wav and have some free and low cost adaptions so in other words there is nothing like it in UK and also to add does not do credit checks hat rule out a lot of disabled drivers. There is also the cost thee top of the range cars are very expensive you have to put a big AP in and when you add servicing in it works out a lot more.
Hi everyone, is it worth starting a thread on personal lease deals and lease purchase deals that one might see as an alternative to motability scheme. is it worth a moderator starting one ? thoughts ?
@Vaun No need for a mod to start a thread for you as you have already done so. Though I think @tinytim has pretty much summed up the purpose of this forum, that is motability has way more to offer than leasing privately.
Joss
Current car: Peugeot 308 GT Premium 1.2 Pure tech Petrol.
Coming soon...BMW X2 sDrive 20i M Sport 5dr Step Auto In November 2025I got a great deal back in june on a car worth 25k and left the scheme and am disabled, have not worked since 2004 but clearly a good credit rating. I put down 2.5k and over the 5 years it will pretty much workout the same as being on the scheme and yep i am paying more, but not much when you consider everything including the residual value in the car at the end and that benefit will rise year on year and some suggest 10% in april based on sept figures.
It was at 0% apr and will save me over 6k over the next 5 years compared to the current deal they have. That has made a huge difference to the viabitly over the scheme and although it might not be for everyone. Some have to consider leaving the scheme and other options and if i was and could save 6k I would want to know.
Private lease deals do suffer from large early termination fees. Should one loose their qualifying payment or your disability deteriorated you could end up paying for a car you can’t afford or simply can’t use. The only option being to terminate the deal at large expense. Please be careful.
Indeed there are many postives to the scheme and each person must make an informed decision that’s right for them.
If you was to loose your allowance then you’d be without a car on the scheme at some point also, after the grace period they give you expires.
That’s another one of the many reasons I opted to buy, as without a car I ‘d be stuck at home, unable to go out.
I personally wouldn’t suggest leasing except via the scheme, but with limited option’s of cars on the scheme and such long waits if your condition changed. Again it’s a hard one as to what’s best to suggest. There are definitely are some positives to owning a car, over leasing.
Also especially for some trying to join the scheme for the 1st time and normally they’d be in a car pretty quick but right now who know’s how long and for some not being mobile is a huge problem. Maybe Mb could put them in returned cars until their car of choice arrives, as something is sometimes better than nothing and i know they do it somtimes with wav’s.
We in unprecedented times and i do feel Mb are not adapting to the situation. Sometimes it’s not as easy to suggest the scheme to people like i used to, really does depend on many factor’s. which is sad really.
If you was to loose your allowance then you’d be without a car on the scheme at some point also, after the grace period they give you expires.
It would certainly be preferable to be in a scheme car should you lose your allowance.
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