When browsing WAVs on the Motability Scheme, you’ll notice that some come with an Advance Payment. This is a one-off upfront cost paid directly to the Motability dealer, and it often raises the question: why do some WAVs cost more than others?
In this guide, we explain what an Advance Payment is, why it exists, and how to plan for it. At TBC Conversions, we also support customers through the entire Motability process, including helping you understand pricing, eligibility, adaptations and the ordering journey.
What Is An Advance Payment?
An Advance Payment is the one-off amount you pay at the start of your Motability lease if the weekly mobility allowance does not fully cover the cost of the vehicle.
It is not a deposit, and it is not refundable. Instead, the payment covers the difference between the total cost of supplying and converting the WAV and the total amount Motability will receive from your allowance during the lease. Once paid, there are no other hidden fees, and servicing, insurance, breakdown cover and MOTs are all included.
Why Do Some WAVs Have Higher Advance Payments?
The Advance Payment varies depending on several factors, and understanding these can help you choose a WAV that fits both your mobility needs and your budget.
- Size and layout of the vehicle: larger WAVs, such as those based on the Ford Tourneo, Volkswagen Shuttle or Mercedes-Benz Sprinter, naturally cost more to build and convert. They may have space for multiple seating options, additional wheelchair positions, or specialised entry systems. These features require more engineering work, resulting in a higher Advance Payment.
- Type of conversion and adaptations: WAVs are not simply “modified cars”. They undergo extensive structural work, which can include lowered floors, specialist seating, quick-release seating systems, ramps, inboard or underfloor passenger lifts and restraint systems tested for different wheelchair weights. More complex adaptations require more labour, materials and certification, which affects the Advance Payment.
- Vehicle technology, trim and engine type: newer models with advanced technology, such as digital dashboards, upgraded safety systems, driver-assist features or electric drivetrains, also tend to have higher Advance Payments. Electric WAVs in particular use specialised platforms and battery systems, which can increase the overall cost.
- Expected value at the end of the lease: Motability calculates the cost based partly on how much the vehicle is expected to be worth at the end of its 5-year WAV lease. If a car is expected to depreciate more quickly, the Advance Payment may be higher.
- Market conditions and manufacturer pricing: changes in vehicle supply, material costs and manufacturing delays can influence pricing. Advance Payments are reviewed every quarter, so they can change depending on market conditions.
Can You Get Help With An Advance Payment?
Yes. The Motability Foundation offers means-tested grants for people who need a specific type of WAV but cannot afford the Advance Payment.
Grants are prioritised for customers with the greatest need, so if you think you may qualify, it’s important to apply as early as possible.
Planning Ahead For Your WAV
Here’s how to prepare for choosing a WAV with an Advance Payment:
- Compare different WAV sizes and layouts
- Consider what features you need now and in the future
- Factor in whether a powered lift or manual ramp is best
- Check current Motability pricing, as it updates every quarter
- Ask about grant eligibility early
- Book a home demonstration to test the WAV in real-life conditions
At TBC Conversions, our Mobility Specialists can guide you through options, explain the adaptations, and help you understand which WAV best meets your needs and your budget. We’re here to support you at every stage, from understanding Advance Payments to completing your application and arranging a home demonstration. Get in touch with our friendly team or book a free home demonstration today.
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