Q Does Motability include insurance?

The Motability scheme does include insurance, unlike a regular contract hire agreement. You can get cover for up to two named drivers, to allow a carer or family member to drive.

The insurance covers you for all third-party claims plus accidental damage, fire or theft, as well as things like legal cover, recovery of uninsured losses, and key replacement. Any payment would be subject to your excess which will depend on a number of factors. You are not covered for loss of personal items, cosmetic damage, or any unauthorised use. Full details of all terms are available and are fully outlined in the contract.