Introduction:

Individuals with limited mobility requiring a wheelchair may be eligible to receive a loan in order to purchase a vehicle in which they can sit or drive in their wheelchair
The loan becomes a grant after five years
Starting from the 03.07.2016, a vehicle lien is only required in exceptional cases.


Individuals with limited mobility who have been determined to require a wheelchair may be entitled to receive a loan from the National Insurance Institute's Loan Fund for the Purchase of a Special Accessories Vehicle (a vehicle in which they can sit or drive in their wheelchair).

  • Such a loan is given in addition to a standing loan for new vehicle 'taxes.
  • Loan rate for a first vehicle - 80% of the pre-tax value of the purchased vehicle or the determining vehicle (the type of vehicle approved for purchase), whichever is lower.
  • Loan rate for vehicle trade-ins - The difference between the pre-tax values of the sold vehicle and the determining vehicle, and no more than 80% of the value of the new vehicle. If the recipient owes a standing loan repayment, the amount s/he has repaid will be returned.
  • The loan is given for all trade-ins and becomes a grant five years after it is given.

Who is Eligible?

  • Individuals with limited mobility, including those who have a driver's license and those who do not, who meet all of the following conditions:
    • A medical committee or medical appeals committee has determined that the individual requires a wheelchair and they use one.
    • The Medical Institute for Road Safety has determined that the individual requires a special accessories vehicle.
    • The individual is not entitled to funding for the vehicle from the Rehabilitation Department or they have chosen to receive such funding as part of the Mobility Benefit and not through the Rehabilitation Department.

How to Claim It?

  • A mobility benefit claim must first be submitted to the National Insurance Institute.
  • The Medical Institute for Road Safety is contacted through the National Insurance Institute's Mobility Department in order for a suitable vehicle to be approved.
  • After receiving approval from the Medical Institute for Road Safety, a letter of commitment must be signed in which the recipient commits to:
  1. Purchase a vehicle in which s/he can sit or drive in a wheelchair.
  2. Install all of the accessories recommended by the Medical Institute for Road Safety in the vehicle and provide confirmation that this can be performed in the vehicle to be purchased before ordering the vehicle.

Lien on the Vehicle

  • Previously the National Insurance Institute held a lien on any vehicle purchased with such a loan.
  • Beginning 03.07.2016, a lien is only required in the following circumstances:
    • A first time car owner who has a standing National Insurance loan and a bank financing loan that is required by the bank as first lien on the car. In this case an additional lien is necessary for the benefit of the National Insurance Institute.
    • In a case where one is eligible for a standing loan and the loan comes from a loan fund earmarked for purchasing a private/commercial vehicle that is not a vehicle with special accessories. (One who chooses a private vehicle despite the fact that the roads safety medical department recommended that he/she needs a special accessories vehicle, does not require a lien on the car).
    • In exceptional circumstances in which the claims clerk determined that the specific situation requires that there be a lien on the car (for example a severe incident in the past, or in a case where someone tried to use deceit).

Please Note

  • A vehicle with a removable seat is not considered to be a special accessories vehicle.
  • Individuals purchasing a private or commercial vehicle with a removable seat will not be entitled to the loan unless the Medical Institute for Road Safety has determined that they require a special accessories vehicle and has approved a private or commercial vehicle with a removable seat in accordance with their request.

Government Agencies

Laws and Regulations

Credits