IPT04850 | Liability of insurance contracts: Motability contract-hire schemes: What the exemption covers

The exemption covers drivers and vehicles, supplied under the contract-hire scheme, against accident, theft etc. The insurance is supplied through Motability, or in the case of motorised wheelchairs and scooters through a company under contract from Motability. Therefore, only the LIPTOs for the insurer underwriting the schemes should see this exemption in operation. The exemption does not extend to vehicles supplied under other schemes operated by Motability or to disabled drivers generally.