With NHS fleet salary sacrifice schemes, you can adjust the mileage allowance and the monthly payment increases accordingly. It’s quite flexible depending on how much you actually drive. I think Motability could do something similar. For example, allowing higher mileage in exchange for a higher Advance Payment. That way people who genuinely need to drive more have an option, rather than everyone being on the same limit. It would make the scheme feel a lot more flexible and fair to different circumstances.
Agreed. I have made this exact point on one of the other threads. In fact, what the NHS does is what it seems all other leasing companies and manufacturers finance schemes (PCPs etc) do. The excess mileage penalties (which are never as high as 25p per mile) then only kick in if you exceed your predicted mileage.
It works out a lot cheaper for the customer to pay more for the lease based upon predicted mileage (in our case through a higher AP) than for higher mileage drivers to be saddled with an average mileage lease and then be screwed over at 25p per mile. I’m at a loss as to why Motability haven’t done this and am very glad that even if we were staying with the scheme it wouldn’t affect us, but I’d be livid if it did as it’s very unjust.