The Motability Scheme is famous for helping disabled people lease cars, scooters, and powered wheelchairs. Through its commercial arm, Motability Enterprises Limited, it also introduces home insurance designed to meet the specific needs of its customers.
Important Change: For many years, Motability home insurance was provided by RSA. However, Motability Enterprises has now partnered with Uinsure for all new home insurance policies.
If you are a new customer, your policy will be arranged by Uinsure. If you are an existing RSA customer, you will likely be invited to switch to Uinsure when your current policy comes up for renewal.
You can get independent advice and a personalised quotes comparison of Motability's new partner deals from one of our expert advisers below:
Get home insurance quotes and advice today!
You can use our expert advisers to compare home insurance deals from Motability with products from other providers across the market.
They will round up personalised quotes from Motability and alternative providers and offer bespoke advice on which one to choose.
To get started, fill in our quick online form below and one of our expert home insurance advisers with be in touch today!
What type of home insurance do they provide?
The new Motability home insurance offering is provided by Uinsure. Unlike a single insurer, Uinsure is an administrator that selects cover from a panel of leading UK insurers (such as AXA, Ageas, and Allianz) to find you the best price.
Their policy is rated 5 Stars by Defaqto, ensuring high-quality protection.
Buildings insurance
This covers the structure of your home, including the roof, walls, windows, and permanent fixtures.
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Cover limits: Uinsure policies typically offer unlimited or high-value (e.g., £1 million) buildings cover as standard.
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Trace and Access: Cover to find the source of a water leak is included (typically up to £5,000 or higher depending on the specific underwriter).
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Unoccupied period: A key benefit for Motability customers (who may spend time in hospital or respite care) is the 60-day unoccupancy limit, which is double the standard 30 days offered by many competitors.
Contents insurance
This protects your household goods and personal belongings against theft, fire, and flood.
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Cover limits: You can typically choose between £75,000 or £100,000 worth of cover.
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Mobility Equipment: Standard contents insurance usually covers wheelchairs and mobility aids inside the home.
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Note: For comprehensive cover of mobility scooters (especially while out and about), Motability Enterprises often introduces a separate specialist provider, Fish Insurance. You should check your Uinsure policy wording carefully to see if your scooter is covered away from home.
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New for Old: Items are generally replaced on a new-for-old basis.
Combined benefits
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No Cancellation Fees: Unlike most of the industry, Uinsure typically charges no admin fees for cancelling or amending your policy.
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Charitable Support: When you buy a policy through this scheme, a portion of the profits (commission) is donated to the Motability Foundation to support disabled people.
How they calculate premiums
Because Uinsure uses a panel of insurers, they compare quotes from multiple underwriters to find the most competitive rate for your specific circumstances. They consider:
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Location: Postcode risk for theft, subsidence, and flooding.
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Property Type: Whether your home has been adapted (e.g., ramps, wet rooms). You should always declare major adaptations to ensure they are covered under the buildings section.
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Claims History: A strong No Claims Discount (NCD) will lower your premium.
Pros and cons
Here are the pros and cons for the Motability (Uinsure) home insurance offering:
Motability Home Insurance (via Uinsure)
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Pros |
Cons |
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No Admin/Cancellation Fees: You aren't penalised for leaving or making changes. |
Scooters may need separate cover: Full cover for scooters away from home may require a separate policy (e.g., from Fish). |
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60 Days Unoccupancy: Ideal for those who may need to leave their home for extended periods. |
Panel variance: Because the underwriter varies (e.g., could be AXA or Ageas), specific policy terms can differ slightly. |
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Defaqto 5 Star Rated: Ensures a comprehensive level of cover. |
Online Management: Service is largely digital/phone-based via Uinsure. |
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Supports Charity: Commissions support the Motability Foundation. |
Customer reviews
Since the switch to Uinsure is relatively recent for Motability customers, it is best to look at reviews for Uinsure itself.
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Trustpilot (Uinsure): Rated Excellent, with a score of approx. 4.8 out of 5. Customers frequently praise the "no hidden fees" policy and the ease of setting up cover.
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Trustpilot (Motability Scheme): The scheme generally receives high praise for its car leasing service, though reviews for the old RSA insurance product were mixed. The move to Uinsure is seen by many as an upgrade in choice and flexibility.
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Defaqto: Uinsure’s home insurance consistently holds a 5 Star Rating, providing reassurance on the quality of the product.
How to get a Motability home insurance quote
You can apply for this specific policy through the Motability Enterprises website, which will direct you to Uinsure.
However, just because it is endorsed by Motability doesn't guarantee it is the cheapest option for you. Other "mobility-specialist" brokers (like Mark Bates Ltd or Blue Badge) also exist in the market.
To ensure you are getting the right cover for your home and medical equipment, it is wise to compare.
At Money Helpdesk, our home insurance experts can help you review your options. If you are wondering whether the Motability/Uinsure partnership is the right choice for you, get in touch and we will review this for you.