Just over 3 years ago I left the scheme and bought a new car on HP at 0% it wasn’t really an issue until next-door crashed into the car and drove off and it will be going to court soon as they not admitting liability. So worst case my premium on next renewal would jump. Even best case it will still rise as I have made a non fault claim, so I’m now more of a risk.
So I decided after it was fixed which cost 6.5k and a hire car for around a month as parts was on backorder. To come back to the scheme. Ordered my car late oct and it arrived beginning of feb and to get an EV as they was offering £750 nvp and a free home charger. As now an EV suits our main usage.
Plus as I got the car at 0% I actually had positive equity in it. So actually I was no worse off really than if I’d leased on the scheme. So it can work but the scheme does give you a lot of positives many have mentioned.
Although for the time off the scheme I didn’t have to worry about losing my pip and then losing my car and my life line to the outside world, come the next review. Now I have that worry in the back of my mind and Liebour have brought it all up again. So its a constant worry that, what if you lose your lifeline and they change the rules and conditions etc on you to save money. I try to just ignore it and put it to the back of my mind, but it’s not easy to do. Stress also effects some of my conditions hugely and like I said I didn’t have that off the scheme, but its come back being on it again because of the attack on people with disabilities.
It will be what it will be but still, life shouldn’t be like this. we shouldn’t be treated like this. So I guess that’s a real positive to being off the scheme.
EX30 SMER Ultra