£303 from next April

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    Topic
  • #249532
    MickC
    Participant

      Thats how much Motability will be getting  (every four weeks) in return for supplying you with a new car.

      Thoughts ?

    Viewing 25 replies - 1 through 25 (of 26 total)
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    • #249541
      Glos Guy
      Participant

        Thats how much Motability will be getting (every four weeks) in return for supplying you with a new car. Thoughts ?

        Almost £12,000 over a 3 year lease or almost £20,0000 for those who keep the car for 5 years. Plus, of course, any AP that you pay is on top of that.

        #249543
        Andy
        Participant

          Still seems quite reasonable for a brand new lease car, with insurance, tax, servicing, tyres, and 20000 miles per annum included…

          #249545
          mitch
          Participant

            mines already £317 every  4 weeks. lol

            • This reply was modified 7 months, 3 weeks ago by mitch.
            #249546
            Glos Guy
            Participant

              Still seems quite reasonable for a brand new lease car, with insurance, tax, servicing, tyres, and 20000 miles per annum included…

              Very much depends on the car IMHO Andy. For the top end cars on the scheme it can still be good value, especially if the person is a high mileage user and/or lives in a high risk insurance area. For the lower end cars on the scheme, it can be far cheaper to run the car privately. Of course, the car is only brand new when you pick it up and the average age of cars on our roads is 8 years old, so most people don’t consider running a brand new car to be a sensible use of their money.  The 20k Pa mileage limit with Motability is often mentioned, yet in reality most users only do a fraction of that. It’s great that we have a choice though.

              #249549
              Callmejohn
              Participant

                Thats how much Motability will be getting (every four weeks) in return for supplying you with a new car. Thoughts ?

                Almost £12,000 over a 3 year lease or almost £20,0000 for those who keep the car for 5 years. Plus, of course, any AP that you pay is on top of that.

                As you said recently, Glos Guy if people are getting £50.000 for that amount plus £3,500 AP for my Hyundai 6 (for instance) then that is a good deal, however if you are getting a £20,000 – £25,000 (AP free or with an AP) car for that, it is not such a good deal. Also no further annual DLA/PIP increase are (can be) built into that calculation.

                I think the public think that also includes free road tax, insurance, servicing, repairs, tyres and windscreen cover.

                However we know,

                Free Road Tax – Nothing to do with a Motability car.

                Insurance – The Insurance covers Motability for their car, not us for the car. I remember back in 1988 I leased a Nissan Bluebird, the first year I paid £50, 2nd year £100, third year £150 for insurance, until somebody pointed out we were not getting the insurance if someone run into the back of us and wrote off the car, Motability were, so they stopped charging us. Although we can have an excess charge.

                Servicing – yes we get that.

                Repairs – My Kia comes with a 7 year warranty for parts and labour, not including wear out parts like break discs ect.

                Tyres – yes one extra set after a lot of fighting with Kwik Fit.

                Windscreen Cover – Yes but with an excess if broken.

                So still a good deal, but varies on which car and which deal you get.

                 

                 

                #249550
                MFillingham
                Participant

                  Remember that insurance prices have gone nuts.  There are discussions in many EV forums and groups about insurers simply walking away from EV business while others will charge stupid prices.   There have been several quotes with 2-300% increases  with no other changes in circumstances with some in relatively safe areas that were low risk suddenly looking at quotes of £2,000+ for a year’s insurance.

                   

                  With that in mind, £3,900 a year seems very reasonable for a £40k BEV fully insured.  Not so sure it’d work out so favourable for a £20k hybrid city car though.

                  I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
                  I'll try to give my honest opinion but am always open to learning.

                  Mark

                  #249553
                  Callmejohn
                  Participant

                    That is fine if you compare it to us insuring it privately, but Motability with 600,00o cars get an entirely different deal for their cars which they insure for their cars not our cars. Remember we get no insurance pay out back on the cars.

                    #249554
                    Glos Guy
                    Participant

                      If I was going to get an EV next time then I think I’d strongly favour getting one via Motability. You can get better / more expensive EVs on the scheme than you can get ICE cars, plus you get the home charger. Also, you are protected from all the factors that are currently deterring many private buyers from getting them.

                      If the choice is to remain with a petrol car, I think I’m leaning towards leaving the scheme, but I wouldn’t feel compelled to buy a brand new car.

                      #249555
                      solent60
                      Participant

                        Once again, it boils down to your own personal financial circumstances.

                        I have no credit score/history other than a bank account that’s always been in the black. I am on very limited income. I therefore have no chance of saving or borrowing for a decent used car – let alone a new one or leased one. So Motability is my only option and, to be honest, I’ve never had the money from my DLA as it’s always gone straight to MB over the past 30-odd years in lieu of a new car every three years.

                        My current car (and my next one) cost approx £26,000 new. I really don’t have any choice other than to remain on the MB scheme. At this moment in time, I’m okay with that. I won’t miss what I’ve never had!

                        #249557
                        Callmejohn
                        Participant

                          If I was going to get an EV next time then I think I’d strongly favour getting one via Motability. You can get better / more expensive EVs on the scheme than you can get ICE cars, plus you get the home charger. Also, you are protected from all the factors that are currently deterring many private buyers from getting them. If the choice is to remain with a petrol car, I think I’m leaning towards leaving the scheme, but I wouldn’t feel compelled to buy a brand new car.

                          Motability is definitely the only way I would have ever considered getting an EV, which was a positive no no up to two months ago, but other needs and lack of alternative options and falling in love with the Ioniq 6 was the overriding factor.

                          Unfortunately Motability is the only option for a lot of us on DLA/PIP, as they have the Monopoly on the benefit linked system, which is the best system available for most of us.

                          #249552
                          Andy
                          Participant

                            Thats how much Motability will be getting (every four weeks) in return for supplying you with a new car. Thoughts ?

                            Almost £12,000 over a 3 year lease or almost £20,0000 for those who keep the car for 5 years. Plus, of course, any AP that you pay is on top of that.

                            As you said recently, Glos Guy if people are getting £50.000 for that amount plus £3,500 AP for my Hyundai 6 (for instance) then that is a good deal, however if you are getting a £20,000 – £25,000 (AP free or with an AP) car for that, it is not such a good deal. Also no further annual DLA/PIP increase are (can be) built into that calculation. I think the public think that also includes free road tax, insurance, servicing, repairs, tyres and windscreen cover. However we know, Free Road Tax – Nothing to do with a Motability car. Insurance – The Insurance covers Motability for their car, not us for the car. I remember back in 1988 I leased a Nissan Bluebird, the first year I paid £50, 2nd year £100, third year £150 for insurance, until somebody pointed out we were not getting the insurance if someone run into the back of us and wrote off the car, Motability were, so they stopped charging us. Although we can have an excess charge. Servicing – yes we get that. Repairs – My Kia comes with a 7 year warranty for parts and labour, not including wear out parts like break discs ect. Tyres – yes one extra set after a lot of fighting with Kwik Fit. Windscreen Cover – Yes but with an excess if broken. So still a good deal, but varies on which car and which deal you get.

                            Still seems quite reasonable for a brand new lease car, with insurance, tax, servicing, tyres, and 20000 miles per annum included…

                            Very much depends on the car IMHO Andy. For the top end cars on the scheme it can still be good value, especially if the person is a high mileage user and/or lives in a high risk insurance area. For the lower end cars on the scheme, it can be far cheaper to run the car privately. Of course, the car is only brand new when you pick it up and the average age of cars on our roads is 8 years old, so most people don’t consider running a brand new car to be a sensible use of their money. The 20k Pa mileage limit with Motability is often mentioned, yet in reality most users only do a fraction of that. It’s great that we have a choice though.

                            We’re currently looking at getting a Mini, this exact model in fact. As said, Mota seems pretty good value to me…
                            https://www.selectcarleasing.co.uk/car-leasing/mini/hatchback/hatchback/20-cooper-s-classic-premium-plus-5dr-auto?mileage=20000&term=36&initial_payment=9

                            #249572
                            kezo
                            Participant

                              Obviously alot depends on indvduals finances whether they purchase a car privately, in the same way ones individual finances also dictate the AP they can afford.

                              £303 works out, works out at roughly £20 extra per month, an additional £720 on a 3 year lease based on 2024/25 rate. We are will aware it won’t just be an extra £720, as the rate uplift is as good as guaranteed to be uplifted each tax year, you have your current lease….

                              I think it was @Glos Guy who said the most value for money scheme cars, are the ones, which suit an individuals needs, that have the lowest overall outlay over 3 years. He’s quite right of course.

                              Likewise, should I choose to go down the BEV route, which I’d like to try providing the range was suitable for my needs, I would certainly do it with a scheme car. However, as things stand today, We have resigned ourselves that we will be leaving the scheme during Q1 and buying private, unless something comes along we like and is sutable, at a reasonable AP.

                              #249575
                              Ele
                              Participant

                                Expensive top of the range EV changed every 3 yrs cheaper to run/ free charger no insurance worries tyres/ repairs/servicing  break downs peace of mind,and it pisses a few of my green eyed neighbours off

                                Pricless lol whats not to like

                                #249577
                                Gee
                                Spectator

                                  All things considered i’m happy enough on Motability.

                                  Left to my own devices i have zero hope of getting behind the wheel of a brand new car.

                                  I also cannot put a price on the peace of mind that i receive in terms of breakdown cover, fully comp insurance or future repairs.

                                  My current outlay to Motability is £71 per week (or a smidgen over £10 per day)

                                  That’s a bargain in my book.

                                  #249598
                                  Glos Guy
                                  Participant

                                    I think it was @Glos Guy who said the most value for money scheme cars, are the ones, which suit an individuals needs, that have the lowest overall outlay over 3 years.

                                    Not quite. I think that the simplest way to work out which cars offer the best value is to add up the sacrificed benefits over the time that you’re likely to have the car + AP + cost of extras, and then work out what percentage of the cars  retail price that represents. The lower the percentage, the better value the car is. I haven’t done the maths on any cars recently as there’s nothing on the scheme that excites me enough to bother to work it out, but given the way that Motability has gone over the last year I should imagine that the winners would be the high end EVs, even if the AP is high. Our current car was around 32%, hence why I decided to stick with Motability last time. A £55k EV with an AP of say £5k will now work out at around 31% if kept for 3 years (so good value) but becomes 45% if kept for 5 years. A £25k car with Nil AP works out at around 48% over 3 years and around 80% if kept for 5 years.

                                    #249600
                                    Glos Guy
                                    Participant

                                      We’re currently looking at getting a Mini, this exact model in fact. As said, Mota seems pretty good value to me… https://www.selectcarleasing.co.uk/car-leasing/mini/hatchback/hatchback/20-cooper-s-classic-premium-plus-5dr-auto?mileage=20000&term=36&initial_payment=9

                                      If your only option is to lease, then Motability always wins as they get 100% VAT exemption. Most of those who leave Motability buy privately, either new or second hand, rather than lease. I appreciate that not everyone has the means to do that but, for those that do, it can work out a lot cheaper, especially for the lower end cars. I bought one of my daughters a brand new Hyundai i20. The total running costs over the 5 years that she had it (including depreciation, servicing, insurance, breakdown cover, tyres etc) was one third of the cost that it would have been to have had the same car for the same period through Motability.

                                      #249602
                                      Berzerker

                                        Makes me more thankful to go to the window, proud that I own a 2014 car that is all mine.

                                        I estimate it costs, without fuel, 400 pound per year ins & mot. With fuel, well at approx 75 pound per tank every 2 months (dont use much), then I am very lucky indeed by the sounds of it.

                                        #249605
                                        wmcforum
                                        Which Mobility Car

                                          Makes me more thankful to go to the window, proud that I own a 2014 car that is all mine.

                                          Are you sure you are on the correct forum?

                                           

                                          #249611
                                          Andy
                                          Participant

                                            We have never seen the cash from PIP (ex DLA) because as soon as my wife got the award we rushed out and got a new car (a green 1.6 Escort Estate) back in 1997.
                                            Up to then we had always run around in bangers, and now we can get a brand new car with zero worries every three years and happily take it anywhere in the country and abroad.
                                            Mota is not without its problems, and some AP’s are ludicrous, but for the vast amount of disabled people on the scheme, this is probably the only way of getting a new car.
                                            We’ve even tried to come off the scheme before, and bought a car to see if it would be cheaper, but it didn’t take long at all for the costs to soon mount up, so we will stay on the scheme for now, especially as my wifes hospital is a 200 mile round trip in to central London, and reliability trumps everything else.
                                            I’ve never really understood the amount of complaining, being on the scheme is not compulsory, and I don’t think there is anything similar in any other country.

                                            #249615
                                            Berzerker

                                              Yes I am sure! But thank you for your concern…

                                              #249622
                                              72 dudes
                                              Participant

                                                Makes me more thankful to go to the window, proud that I own a 2014 car that is all mine. I estimate it costs, without fuel, 400 pound per year ins & mot. With fuel, well at approx 75 pound per tank every 2 months (dont use much), then I am very lucky indeed by the sounds of it.

                                                Surely you service it annually and repair it when it goes wrong? Tyres? And the big one – depreciation.

                                                2024 - BMW i4 Grand Coupe eDrive 35 Sport
                                                2020 - Volvo XC40 T4 Inscription
                                                2017 - Audi Q3 TFSi Sport S-Tronic

                                                #249630
                                                Mossfinn
                                                Participant

                                                  It matters absolutely nothing to me how much Motability get every 4 weeks from the Government. It is our personal money from PIP and we choose either to keep it and fund a car ourselves, like Berzerker or exchange it with Motability for a brand new car.
                                                  PIP can rise as high as possible increasing the amount going to Motability but I wont begrudge it because  it means those who have elected not to get a car also get more in their pocket.
                                                  After 35 years of owning cars that cost me leasing, unexpected faults, running costs, insurance etc it’s nice to have a car that I don’t have to worry about.

                                                  #249636
                                                  Berzerker

                                                    Yes of course. Service is 150. I dont count things like tyres and repairs as theyre so one offs and spread over many years that theyre so economical. I do about 6k miles per year, look after my car and drive sensibly, so very rarely do things go wrong. Depreciation? I paid 5k for my car and due to EV pushing up second hand prices, now its been valued approx. at 6.5k.

                                                    Someone once said that the biggest fear is fear itself. So much anxiety is brain washed into people nowadays to rely on the reliablity of others, rather than depend on their own integrity. As Andy said, ‘reliability trumps everything else’. All well and good, but the price of that reliability is literally legalised extortion. I tend to live at my old age now by the law of ‘whats the worst that can happen’? And, the last thing that floats my boat is being wrapped in fresh gleaming new metal and plastic. It gets me from A to B easier than walking, thats it.

                                                    #249658
                                                    Avatar photoPOPS
                                                    Moderator

                                                      Yes I am sure! But thank you for your concern…

                                                      Berzerker, can I ask you to register and log in if you wish to continue posting on the forum.

                                                      I’ve picked out your post because you post regularly and at the moment each time you post, admin or mods have to read and approve your posts in order to validate it.

                                                      This also applies to all unregistered posters.

                                                      A change to allow only registered posters to post is imminent on this forum, so I thought I’d give you guys a “heads up” slightly in advance.

                                                      #249797
                                                      Ele
                                                      Participant

                                                        Confused …I thought the Admins rowed back on that one

                                                        Maybe a clearer permaant detailed post from Admin just so we are all clear on what to do going forward

                                                         

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