The Motability Scheme’s insurance covers major risks but excludes personal items, modifications, and unauthorized use, with lessees paying for these out of pocket.

The Motability Scheme’s insurance through Direct Line Motability covers key risks like legal liability, loss of use, and personal accident up to £5,000, but excludes personal belongings, non-standard modifications, interior damage, business use without approval, driving without permission, excess payments, and lost keys beyond basic lock replacement. Lessees must pay out-of-pocket for these exclusions, and claims are handled directly by Direct Line Motability.