Hello everybody my name is Bailey & i was wondering if you could help me, i’m 23 years old and am new to pip and motability, i’m looking at getting a car on the scheme for myself and also for my mum to use for long hospital visits, i’ve been looking at prices etc and it seems due to my age most vehicles i wanted are over my Insurance group. My questions are, is there any leeway on insurances groups for under 25’s? also if not what are my options regarding a VW golf? from what i’ve seen they’re all small engines which isn’t ideal for weekly 300+ return trips to the hospital any help would be great Bailey
Just reading your OP, can you clarify who the PIP and thus the vehicle is for?
You seem to be saying the vehicle is for use by yourself and also for your mother to use for long hospital visits?
Motability vehicles are only to be used for the benefit of the lease holder (the one who receives the necessary allowance used to fund it).
So, for example if this is you, you can use the vehicle and it is is fine if your mother to use it to take you to hospital, or for example picking up a prescription for you. What your mother cannot use it for is her own purposes or for her own benefit.
If the 300-mile hospital trip is for your mother’s own condition or for your mother to visit a friend of hers in hospital, than that use is not for your benefit and thus not permissible. The vehicle can hardly be available for your benefit if it is 300 miles away.
Also, the 300-plus miles weekly trip will account for a minimum of 46,800 miles out of your ‘free’ allocation of 60,000 miles over the 3-year lease. This leaves you only 13,200 miles (4,400 per year) before you will have to pay 5p for every mile in excess of the 60,000 miles limit.
Will your other usage be more than this limit? if so you will need to factor in the excess mileage charge.