Motability really ought to be a boring subject: a government scheme helping people with serious disabilities get a car by using a portion of their benefits to pay for the lease. But over the past week, anyone who had never heard of Motability would have got a more lurid impression.
First reported in the Daily Mail, and then in a string of follow-up stories, Motability was portrayed not as a useful mechanism for helping people with disabilities but an outrageous example of con artists milking the taxpayer.
The claim is that many Motability customers do not really need a car at all: that, in the words of the shadow welfare secretary, Helen Whately, this is “a classic case of a well-intentioned initiative that has got way out of hand”. So how much of that is true?
How does the Motability scheme work?
As a parliamentary report noted last week, 29% of disabled adults do not have access to a car, against 16% of non-disabled adults. They are more likely to be struggling financially, and to need help from a family member or carer to travel. The Motability scheme is intended to help mitigate those problems.
“Disabled people face so many barriers in accessing transport,” said Dr Mark Carew, of the London School of Hygiene and Tropical Medicine’s International Centre for Evidence in Disability. (He co-wrote a report that received funding from Motability in 2023.) “Whether it’s train stations that aren’t wheelchair accessible, or no ramp available when you’ve booked it, or other travellers refusing to get out of the wheelchair space – there are lots of reasons Motability is important.”
The scheme is run by a private company, overseen by a charitable foundation, that buys new cars then leases them to claimants for three years before selling them on. The payments come from government benefits, usually a portion of the personal independence payment, the main working-age benefit for people with disabilities. The recent scrutiny is based partly on the remarkable growth in eligibility – with the customer base rising by about 200,000 in two years, to 815,000.
There have been reasonable criticisms over high executive pay and warnings that Motability is sitting on excessive reserves – £4bn in September last year. But the money made from used cars goes back into the scheme, not to shareholders – and, all in all, Carew says, “it clearly delivers value for the taxpayer.
“But it’s not just about that. People with disabilities aren’t aliens – we’re the friends and family of everyone else. This is a powerful way for them to make choices that go some way to level the playing field.”
Why should people with disabilities get a new car for free on top of their benefits?
A common refrain in the coverage – “Do you want a free new car?” the Times’s Alice Thomson asked – but one which misses a central point: the Pip (personal independence payment) funding that goes to Motability is money customers would have been getting anyway.
If they were not getting a car, they would have it to spend on something else. And if they want a more expensive car – perhaps needing a larger vehicle for essential equipment, perhaps shockingly able to have preferences despite also having a disability – they have to make a down payment of up to £8,000 themselves.
The cars are new, meanwhile, and retain a significant resale value at the end of the lease. Scrapping Motability would not save a penny from the benefits bill.
Shouldn’t prestige brands be excluded?
Another prominent claim: Motability is giving “subsidised BMWs” and “50-grand Mercs” to people who do not need them. And it’s true that if you search the Motability website, you can find premium cars.
But the vast majority are much more ordinary: economy brands make up 94% of Motability’s fleet. And there’s a ceiling of £45,000 on petrol and diesel cars (£55,000 for electric), because cars costing more than that depreciate too fast to be viable.
The cost to the taxpayer of the more expensive models is exactly the same. The fact that the lease only lasts three years is, likewise, motivated by the fact that selling on older cars would mean a worse return. The cherrypicking coverage implies that disabled people should not get a choice: instead, they should exist in a state of constant gratitude, and piss off in their wonky three-wheeler.
But aren’t people who wet the bed or who have Munchausen syndrome taking advantage of the scheme?
This is perhaps the most misleading claim, visible in many variants. Cars are going to “bed-wetting boy racers”, said the Reform MP Richard Tice. In the Daily Mail, Richard Littlejohn asked: “Why should you get a free car simply because you’re fat?” And in the Daily Telegraph, Allison Pearson told us: “If I said I felt depressed or constipated … [the government] might give me a BMW.”
These claims can be traced to the Daily Mail’s first article. “Pip ‘mobility’ claimants do not actually have to have a physical disability to qualify for a Motability vehicle,” it said. “Claimants with a mental health condition, such as anxiety, can also apply.” It cited approval rates for bedwetting, or enuresis (35%), ADHD (49%), obesity (77%), agoraphobia (66%), and Munchausen syndrome, a condition where the sufferer fakes a medical condition for attention (54%).
But those figures cover any level of Pip, not the higher mobility payment needed for Motability. Yes, 54% of people who claimed Pip with Munchausen syndrome in October 2024 were accepted – but that amounted to six successful claimants. There were 41 with enuresis. Those figures tell us nothing about how many got the higher rate. But the scoring system would not typically put them in that category without a significant physical impairment.
There were likely more for some of the other categories, which have a much larger base – but what is certain is that the vast majority who get a car through Motability have a significant physical disability. “It’s very tough to qualify for Pip’s higher mobility award,” Carew said. “Plenty of people who struggle making journeys don’t qualify.”
Accompanying this legend is the idea that online “sickfluencers” are teaching people how to game the system. But these videos are often unreliable. The social media accounts of a teenager who posted about getting a car because he was autistic, which featured prominently in the outrage, carried enough information for Motability to look into his case: he turned out to have been rejected.
So where did this story come from?
Allegations that Motability is infested with people making bogus claims have existed for many years. Part of the timeline is routine: first a fascinating Bloomberg piece focusing on Motability’s impact on the car market, then the Daily Mail, then everyone else.
Before that, though, the story gained momentum in a stranger corner of the internet – through a couple of rightwing X accounts, @loftussteve and @maxtempers. The anonymous user behind Max Tempers has been banging the drum since at least December, when he suggested that claimants should only be allowed to drive a hideous old car with MOTABILITY written on it. A few weeks later, a post of his about grooming gangs was shared by Elon Musk, and became the ground zero of a whole other dodgy social media frenzy.
The Motability story got picked up by various accounts including Politics UK, a popular X news source, and later by prominent users such as GB News’s deputy political editor, Tom Harwood, who even borrowed Max Tempers’ idea for a car of shame. With crushing inevitability, after the Daily Mail piece, the health secretary, Wes Streeting. told GB News the story showed why the welfare system needed reform.
As the Motability myth went mainstream, Max Tempers celebrated it as proof of the “posting-to-papers pipeline”. It’s hard to disagree. But it doesn’t seem too much to ask that, somewhere along the way, those laundering it into the mainstream might display some curiosity about whether it is actually true.
• This article was amended on 24 March 2025. The shadow welfare secretary is Helen Whately, not “Wheatley” as an earlier version said.
