Motability Scheme customers

Everything you need to know about named drivers on the Motability Scheme

Your Motability Scheme lease includes insurance for up to three named drivers, so if you don’t want to or aren’t able to drive yourself, your car can be driven by a family member, friend or carer. We often get queries from customers during their lease about who can drive their car, so here are the answers to some of the most commonly asked questions.

Can I change a driver during my lease?

If you wish to add or change a driver during your lease, you can call RSA Motability (RSAM) on 0300 037 3737 and they’ll make the changes for you. Only the customer or their nominee can request a change of driver. RSAM will need to speak to your proposed named driver to confirm they will drive your car in accordance with Scheme guidelines, and to take them through a fair processing declaration form in order for us to check their licence with the DVLA, so they must be with you when you call.

What happens if my named driver can no longer drive?

If your current named driver is no longer able to drive, it’s worth seeing if there is anyone else that can drive your car before considering cancelling your lease agreement. If a named driver is convicted of a motoring offence during the agreement, you must tell RSAM immediately to make sure you are still covered. You should also let the DVLA know about any change in your or your driver’s mobility or health which might make driving unsafe. If your GP has passed you to drive and the DVLA are aware of these changes you do not need to contact us.

Rules to remember

There are a few simple rules around who can drive. It’s also important to remember that your Motability Scheme car has been leased for the benefit of the disabled person and therefore the car should be used for this purpose. Please also note that only drivers approved by RSAM’s standard insurance underwriting criteria and named as permitted drivers on your Certificate of Motor Insurance may drive your car.

How your car can be used

Can I add a third driver to my lease?

If you would like to nominate a third driver during your lease you should contact RSAM to arrange this. As with changing a driver, only the customer or their nominee can request to add a driver and RSAM will need to speak to the proposed named driver when you call.

Can I add temporary driver to my lease?

From time to time, you may require a temporary driver, for example, when you go on holiday or relatives come to visit. You can add a temporary driver, however, please note that if you already have three drivers on your insurance policy you would need to swap out one of your existing drivers to accommodate this.

A temporary driver can be added onto your lease for up to 30 days at a time and must always abide by the Scheme rules and use the car for your benefit. If you rely on this driver multiple times throughout the year, they must be included on your Certificate of Motor Insurance as a permanent driver. Please remember that temporary driver additions cannot be used as a substitute for a permanent driver. You can contact RSAM for more information.

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