6 Essential Features of Mutability Schemes

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An initiative taken by the public and private agencies in the United Kingdom back in 1977 has now come a long way in ensuring the progress of the higher rate Mobility Component and other such allowances and supplements. This scheme is a boon to those people in need of a car which is in a normal situation unavailable to them. This scheme enables the people, who are eligible to be a part of it, to lease or hire a vehicle from among 4,000 cars and wheelchair accessible vehicles.

Most of the customary brands are available for lease or purchase. Ford, Fiat and Renault are one of the major brands of cars that are out there for them to lease. Those in an utmost need of a car can purchase a car for their special needs as every car has its own peerless set of features. Like some people on one hand would prefer push/pull controls on the other hand some might prefer analogue controls.

motability scheme

Mutability cars having swivel seats provide easy access to one’s car, so people with physical problems might find it easier to have a car like that. Most of the listed cars are family cars and 4×4′s which are the most common choice for most families in the UK. The hardest part for such schemes is to get the dealers to join the program. Not all dealers agree with joining the program but the ones who have joined are offering cars at a very cheap rate. The criteria of eligibility are not very terminal. If one falls under any of the below mentioned categories, one is eligible for exchanging their government funded mobility allowance for a new car, scooter and even a powered wheelchair. People receiving:

  • Higher Rate Mobility Component of Disability Living Allowance.
  • Enhanced Rate of the Mobility Component of Personal Independence Payment (PIP)
  • War Pensioners’ Mobility Supplement (WPMS)
  • Armed Forces Independence Payment (AFIP) these are the four major issues that dealers consider. Other facts that dealers consider while checking the eligibility criteria are:
  • Only higher or enhanced rate of the mobility allowance can be used in this case.
  • One must have 12 months of award length remaining.

There is also no upper age limit for this scheme and the most fascinating part of the entire scheme is the “Hire Purchase”. It is basically a system where you buy a used mutability car from a supplier and use your DLA or WPMS to pay direct debits for the period of the agreement.

What started off as a simple scheme for war veterans has now become a huge opportunity for people who do not have access to such cars? This has proved to be one of the biggest initiatives taken by the charitable foundations, the government and the motor and insurance companies this scheme has provided a lot for the disabled and their families and continues to do so today. It ensures a hassle-free enjoyable mode of mobility for the disabled.


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