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Exclusive Motability Leasing News & Blog

Questions & AnswersQuestion: Hi just to explain I get high rate mobility and am just inquiring what options are available. It would not be me driving but my nephew who has the licence who lives 5 minutes from me. If we could do 6 months initially, if possible. Also can can get insurance added in? Would be looking at a Ford or Vauxhall, but open to others.

Answer: I'm afraid we will not be able to lease you a car based on the information you provided. The minimum hire is 2 to 5 years, the person leasing the car must have an income from employment and must have a full driving licence if they have bad credit history. If they have good credit history then it doesn't matter if they work or not.

Question: Hi, I'm a disabled student. I would like to lease for 2 years. My budget is £150 a month.

Answer: If you are a student, married, paying a rent and have bad credit history, how are you going to pay for the car payments? You need to prove income and the means to be able to lease a car. Can someone else in your family lease it for you?

Question: Hi there not sure how this works currently in a trust deed so not sure if you can help any assistance would be appreciated. Interested in a medium family car like corsa or fiesta but open to ideas?

Answer: I thought a trust deed is for Scottish residence. Can you please provide a bit more information?

Question: Hello :) I'm very interested in leasing a car, i have never done this before so i have a couple of questions. - Where are you located please? - And do you buy cars? I have a 2003 BMW x5 which I'm about to have work done on, once done, I would like to sell it and start leasing a car. Also, do you have the Volkswagen Touareg 2006+ ? Thanks for your time.

Answer: Yes we do buy cars, but not a 10 year old car. You are best to sell it privately. Also if you want a quote you need to provide more information, like where you work, how much you make and what your credit history is like?

Question: Hi, can you give me any example of Time4leasing been part of any charity?

Answer: Several charities come to mind, but one that I will mention is Just Giving and Paul Mackean trying to raise money for Maggie's Centres who offer practical and emotional support to people affected by cancer. This is the link https://www.justgiving.com/fundraising/paul-mackean

Question: Hi, I have emailed but would like a quick answer so am writing here as well , I am after leasing a car I haven't got good credit history , done a debt relief order over a year ago now , I am a career for my daughter and receive disability and carer allowance as well as family tax credit , I was wondering weather I would be able to lease a car from you , and also where you are based if accepted to be able to come see your cars , would appreciate if someone could consume asap , kind regards

Answer: Hi, this will need an advisor to look into for you because as I understand it to be able to lease a car and the customer has poor credit history, they need to be earning a salary from employment. The only time a customer does not have to prove earnings is if they have excellent credit history. Based on what you have said, I guess you do not have either? this is why an advisor will be needed to look into and try and find a solution to get around this. Did you get our email reply? kind regards Steve

Question: Hi haven't received a email yet , will check in a moment, no don't have a employment salary I'm afraid, but I have been told you can get on finance if on disability allowance , so what shall I do now ? Will someone look into for me and get back to me asap ?

Answer: I will activate an application (no obligation) just to get you in touch with the right person.

Question: Will this affect my credit rating at all

Answer: With us absolutely not!

Question: Ok great thank u , thanks for staying back to me so quickly aswell

Answer: You are welcomed.

Question: Oh I didn't want a car on finance wanted to lease one so don't think it will be right for me thanks for your help anyway

Answer: What made you think it was on finance?

Question: It's ok they have spoke to me and because there only allowed to take my 25% of my disability allowance which works out 50 pounds a week there's nothing they can do for me which is a shame as I have enough to spend around 150 a month on a car , I thought it was finance when I saw an email from your partners, as I thought they were finance company

Answer: They are one of our partners and would recommend various solutions, but most advisors will go directly to the one more likely that will get approved. We are always here to help. x

Question: Yes I have the number but he was very sure nothing could be done for me

Answer: If a customer does not qualify for contact hire which requires excellent credit history, we then in turn rely on our partners who look at each request individually. Have you thought of your partner taking out the lease in your behalf and you pay for it?

Question: I will have to have a chat with him when he gets home , I was inquiring to see if I could be accepted at all , will be working 16 hours a week after the summer holidays so I may try again then as I will have a income perhaps that will be enough then

Answer: I'm afraid we are governed by rules and regulations and we have to adhere to. No hurry, once you start part time work and can prove more income then I'm sure we can look into this for you again. Good luck and always here to help

Question: Yes I know pain in the butt government ha ha ! Thanks x

Employee Benefits and Car Leasing

Personal Independence Payment

If you are an existing Motability customer, the Government’s plans to replace the Disability Living Allowance (DLA) for all recipients aged 16 to 64 with a new benefit called Personal Independence Payment (PIP), from 8 April 2013, may affect your eligibility to join the Scheme.

How PIP works

Most Motability customers currently use their DLA to pay for their vehicle leases. Like DLA, PIP will have two components:

  • a “daily living” component
  • a “mobility" component

Each component will have two rates of payment:

  • a “standard” rate
  • an “enhanced” rate

You will be able to lease a Motability car by using the Enhanced Rate of the Mobility Component of PIP, which will be set at the same level as the Higher Rate Mobility Component of DLA. Like DLA, PIP will not be means-tested or taxable, and can be paid whether the claimant is working or not.

The planned changes

PIP will replace DLA for disabled people aged between 16 and 64, even if they currently have an ‘indefinite’ or ‘lifetime’ DLA award.

  • DLA will remain for disabled children until they reach the age of 16
  • DLA will also continue to be available for those aged 65 and over on 8 April 2013
  • Recipients of the War Pensioners’ Mobility Supplement are not affected by the planned changes

  Eligibility for PIP

The Department for Work and Pensions (DWP) will award PIP based upon their assessment of an individual’s ability to carry out a range of everyday activities. Regulations to finalise the assessment criteria for PIP will not go before Parliament until early 2013. The eligibility criteria for PIP will be different from those for DLA today and existing DLA recipients will not be automatically transferred across to PIP. This means that even if you already receive DLA, you will need to make a claim for the new benefit when the DWP invite you to do so at some point between 2013 and 2018. The DWP will then assess your claim and decide what level of PIP benefit you should receive. 

Invitation to apply for PIP

From October 2013, children reaching the age of 16 and existing DLA recipients whose fixed term DLA award ends, or who report a change in their condition, will be invited to apply for PIP. From October 2015, all other DLA recipients including those with 'indefinite' or 'lifetime' DLA awards will be invited to apply for PIP. The process of reassessing current DLA recipients should be complete by 2018.

If DWP invite you to apply for PIP, you will need to make a claim for the new PIP benefit within four weeks of being invited to do so. If you do not make a claim for PIP, DWP will suspend and then stop your DLA payments completely. It is very important that you do not ignore any communications from DWP; please read any letters you receive carefully and respond with any deadlines.

The changes explained above will apply to England, Wales and Scotland. The devolved administration in Northern Ireland is working with DWP to consider how changes will be introduced in Northern Ireland.

PIP and the Motability Scheme

The Motability Scheme will work with PIP in the same way as it does with DLA. Motability will continue to lease cars, powered wheelchairs and scooters to disabled people who receive either:

  • The Higher Rate Mobility Component of DLA
  • The Enhanced Rate of the Mobility Component of PIP (from April 2013) which will have the same value as the Higher Rate Mobility Component of DLA.
  • The War Pensioners’ Mobility Supplement

If you are an existing DLA recipient who is awarded the Enhanced Rate of the Mobility Component of PIP, then your Motability lease will continue as you move from DLA to PIP.

If you are an existing DLA recipient who has not received the Enhanced Rate of the Mobility Component of PIP, you will not be eligible to use the Motability Scheme. If this happens:

  • The leasing agreement will end
  • Motability will arrange with you for the vehicle to be returned
  • Motability refunds any Advance Payment on a pro-rata basis e.g. if the agreement ended after one year of a three year lease, two-thirds of the Advance Payment would be refunded
  • Subject to terms and conditions, Motability may in some cases be able to offer the vehicle for sale to you.

Appealing the decision

Customers will be able to appeal to the DWP if they disagree with the decision. However, DWP will not continue to make DLA payments while an appeal is being processed and so Motability will not be able to leave the vehicle with you. If the appeal is successful, you will of course be eligible to re-join the Scheme.

Next steps

DWP will send general information about PIP to all existing DLA claimants in February 2013. You do not need to make a claim for PIP until you are contacted by the DWP at some point between 2013 and 2018.

No more premium cars in disabled scheme with new £25,000 limit aimed at reducing fraud

Abuse of disabled drivers’ car allowances has forced charity Motability to tighten its leasing rules. The move will ban the sale of some premium models and, according to Nissan, may “change the way the industry sells cars”.

The new rules, announced last week by Motability chairman Lord Sterling, include a £25,000 price cap and restrictions on drivers’ age and status. The changes are designed to cut fraudulent use of the Government’s Disability Living Allowance, which in 1.7 million cases extends to leasing a brand new car.

Motability says there were more than 7,000 alleged cases of abuse in the last financial year alone. With almost 600,000 customers, Motability is Britain’s biggest fleet – 30,000 of its cars are currently premium models such as the BMW X3 and Audi A4, which will now be removed from the leasing scheme.

An Audi spokeswoman said: “Motability customers will only be able to choose from the A1 and A3 ranges [under the new rules].” And Nissan MD Jim Wright warned: “Manufacturers who have more expensive ranges may need to respecify models to make entry-level models priced below £25,000.”

The sub-£25,000 Nissan Qashqai is one of the most popular cars on Motability’s scheme, along with the Ford Focus and Vauxhall Astra. Electric cars are currently excluded.

Motability’s new rules include restrictions on nominated drivers, who now need to live within five miles of the customer. Plus, from January, nominated drivers aged under 21 will only be permitted if they live with the disabled customer.

Drivers aged under 25 will also be restricted to cars with a power output of 115bhp or less and an insurance rating up to group 16.

The Motability Scheme enables people with special needs to lease a new car, scooter or even a powered wheelchair by exchanging their Government funded mobility allowance.

Best friend in the world. A Dog.

As Time4leasing is a car leasing specialist that caters for every customer needs, we only offer cars. We do not offer scooters or wheelchairs. So if you receive either the Higher Rate Mobility Component of Disability Living Allowance or the Enhanced Rate of the Mobility Component of Personal Independence Payment (PIP), or the War Pensioners’ Mobility Supplement (WPMS) or even the Armed Forces Independence Payment (AFIP) you probably will be eligible to join the Motability Scheme.

With Time4leasing's alternative to Motability Car Leasing, we offer ex demo vehicles which are slightly used and leased without the obligation of taking maintenance and insurance. This allows you to choose another company for these services so you can save a significant amount of money.

The Motability Scheme enables disabled people with special needs to exchange either their Higher Rate Mobility Component of Disability Living Allowance. This includes War Pensioners' Mobility Supplement; Enhanced Rate of the Mobility Component of Personal Independence Payment or the Armed Forces Independence Payment. These special leasing offers include carers too.

Ex Demo New Cars from £NIL Advance Payment

You may exchange this allowance for a ex demo car every 2 to 4 years as well as the support you need to enjoy worry free motoring. Find out more about the Motability Schemes benefits and if you are eligible below.


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Yes Deciding whether to pick a new or used can be hard when you’re trying to lease a car - this is why we offer both options. We also offer personal and business lease vehicles - depending on which one works out cheaper!

Yes We provide Contract Hire Leasing, Personal Contract Purchase Sales and Hire Purchase where you can drive unlimited miles and keep the car for a small fee at the end of the lease.

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Time4Leasing is a trading style of White Hat Projects Ltd and is authorised and regulated by the Financial Conduct Authority. FRN 768203. Company number 07764808.

We are a credit broker and not a lender and can introduce you to a limited number of businesses who also act as credit brokers and may introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a fixed commission calculated by reference to the vehicle model, product or amount you borrow, for introducing you to a credit broker but this does not affect the interest charged on the agreement, all of which are set by the lender.

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