Does my Motability Insurance (RSA) cover me to drive another car?

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anonymous_2
Peaches
gices

Of course I'll be getting the owner's consent before driving but just wanted to know if that's against the rules.

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gices
gices Level 6

No, you can only drive the motability vehicle with this type of insurance and nothing else.

motability policy rules for other vehicles

With a normal comprehensive insurance policy, it's different. As long as you have the owner's permission, you will have 3rd party cover.

However, the mobility car scheme is different, you cannot drive any other car besides what you've been given, whether that's your friend/family with or without their consent. Your insurance covers only your vehicle and nothing else.

You are allowed though to drive a car that's been provided by or on behalf of Motability Operations as a replacement for your current one.

It is also worth noting that someone who has comprehensive cover is not allowed to drive the motability car as well unless they have been added as a named driver on your lease. So it works both ways.

Source : https://www.motability.co.uk/ - Support

1 Reply
anonymous_2
anonymous_2 Level 1

We want to take our caravan to france, it's a mobility car, can we do this?

gices
gices Level 6

That's not a problem as you can drive in the EU for up to 90 days. For longer periods, you will need to talk to them.

Peaches
Peaches Level 3

No you can't drive another car as this is against the policy

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