Reply To: Motability Alternatives

#181205
Chris M

    @wmcforum
    Unfortunately you can’t just do a calc on wage of £1,000, salary sacrifice reduces you wages for tax purposes.
    The quote tool is open for anyone to use (google octopus ev) without putting your details in to get a quote based on your own wages

    . my situation, I unfortunately currently pay 40% tax on a small portion of my wage, if i went through the scheme i would not pay 40%.

    Its not for everyone, but is an option, below is workings based on annual cost based on my earlier choices

    Salary Sacrifice scheme:

    Annual Cost £7872 (656 x 12)

    PIP paid to me £3354 instead of used for motability

    Net annual Cost £4518 (£7872 less 3354)

    Motability (assuming keeping car for 4 years:

    PIP Annual Value £3354

    AP (1 years worth)£1725 assuming AP split over lease of vehicle

    Total Motability cost £5079