| Factor | Motability Three year Contract Hire | Hire Purchase (HP) Outright Purchase (OP) | Used Car (HP) |
| Period of agreement | Three years | HP: Four or five years OP: Not applicable | Two or Three years |
| Vehicle Ownership | Motability Operations Limited | You at the end of the term | You at the end of the term |
| Vehicle Insurance | Fully comprehensive Cover is included in the agreement | Your responsibility | Your responsibility |
| Loss of Use Insurance cover | Included in the agreement | Arranged by you, at your own expense | Arranged by you, at your own expense |
| Servicing and Maintenance | Paid for by Motability Operations Limited to the servicing dealer | Your responsibility | Your responsibility |
| Excess Mileage | You are charged for mileage in excess of 15,000 per annum | No Restrictions | No Restrictions |
| Adaptations | These must be easily removable at the end of the lease | No Restrictions | No Restrictions |
| Vehicles Available | Only those listed on the current Motability price list | Any vehicle from the Ford Cars catalogue (plus Ford Light Commercials, Transit and bus ranges) | Most cars and commercials |
| Breakdown Cover | Three year roadside assistance included in the agreement | Check with dealer | Check with dealer |
| Advance Payment/Deposit | Advance payment as per current Motability price list | Deposit if applicable dependant on finance/vehicle | Deposit if applicable dependant on finance/vehicle |
| VAT at zero rate | Yes - The figure published already incorporates this allowance (Motability Operations Limited claim from Inland Revenue) | No, unless substantially and permanently adapted for wheelchair users | No |
