The excess amount varies depending on your age and experience as a driver.

You can find this on your agreement which is available in your Motability Scheme online account, and your insurance policy document which you can find in your DLM insurance portal.

If your car needs to be repaired, you’ll need to pay the excess for each incident before the repair starts.

You'll need to pay the cost of any replacement keys.

You'll need to pay for any replacement locks too, unless the keys have been stolen and the theft reported to the police.

You'll need to arrange your own contents insurance for personal items like wheelchairs, coats and mobile phones. You could extend your household contents insurance to cover these.

Any optional extras or other equipment fitted which are not needed for you to use the vehicle will not be covered.

If you've fitted equipment without our agreement or our insurance provider's, it will not be covered.

Any damage to the inside, including rips, stains and burns to the trim are not covered. You might need to repair these at your own cost.

You do not need to pay for any routine repairs.

You're not covered to drive any other vehicle unless we've given you the vehicle and approved it.

Only the drivers shown on your Certificate of Motor Insurance are covered to drive the Scheme vehicle.

Other drivers are not allowed to drive your Scheme vehicle, even if they have fully comprehensive insurance which allows them to drive other cars.

You might be held responsible for any loss or damage when someone not named on your policy is driving, and you might not be able to lease through the Scheme again.

You can change your drivers at any time, as many times as you want.

If you need to use the car for business reasons other than the journey to your usual workplace, you'll need to contact our insurance provider and ask for this.

Business-use cover will not begin until you receive a new, current Certificate of Motor Insurance showing this cover.

So you know, our insurance provider can only give you this for your current lease. You'll need to contact them and reapply for each new lease.