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Motability Launches Special Investigations Unit as 2026 Tax Changes Lift Upfront Costs

Ministers say exemptions for adapted vehicles alongside means‑tested grants will protect access as prices increase.

Overview

  • The Government confirmed VAT on Advance Payments and Insurance Premium Tax on Motability leases will take effect from July 2026.
  • Motability estimates the average Advance Payment will rise by about £400 over a typical three‑year lease package.
  • A new Special Investigations Unit with around 80 investigators will target misuse, with expanded data‑sharing with police and government.
  • Premium marques such as BMW, Mercedes and Audi have been withdrawn for new customers, though current users can keep their cars until leases end.
  • Existing leases and vehicles substantially designed or adapted for wheelchair or stretcher users will keep VAT and IPT reliefs, with means‑tested grants, 40–50 no‑upfront‑payment options and a formal disability impact assessment set to support affordability.