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In one of the Motability groups as an answer to a post asking about IPT I read this:
They sent me a survey thing today about the vat the insurance excess going to £300 4 tires per lease no gcb 10k miles per year. Said if this was to start 31st July what do you think. Im thinking thats what bringing in
That doesn’t sound dramatically far from other things I’ve heard in parts, increased excess, reduced mileage.
Thoughts?
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
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I find the mileage idea very worrying. 10,000 miles sounds a lot but its only 193 miles per week! 28 miles per day! After that they are talking of paying 28 Pence per mile extra charge. For many that would be extremely limiting, The government want us disabled people to work, many of us need our cars to be able to. Many need their cars for appointments, many live in rural areas and do far more than 28 miles per day. Plus there were many more worrying items in the survey which could be on top of the mileage cuts. I am hoping this isn’t how it goes.
Did you get the survey? It seems to have gone to a relatively small selection. I’d have thought anyone with an order window open within 6 months of the changes would have liked an input.
I do wonder just how many take up significantly more than 10k miles. I know there’s a lot of cars that go back with a total around 20k after a full 3 years.
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
I feel they are bring the scheme more in line with external leases. We have already seen members put lease’s up that are a fair bit cheaper than Motability over 3 years.
I think a move like this, will see many with a bit of cash flow (taking into account yearly increases of sacrified benefits) or with a credit rating leave the scheme and find alternative options.
I do 400 miles a month, just taking my daughter who is the claimant to and from school, thats without appoinments, shopping or visiting family.
I really do not understand why we are being hit on this. Motability make a profit, so why do we have to pay. This system is not losing money, we actually pay for it out of our own benefits….the money is paid to us regardless. Its madness. The idea of reducing mileage allowances drastically seems cruel and petty. It saves actually nothing, but makes disabled peoples lives much harder. 28 miles per day is extremely low, if people need to go to appointments, visit family etc they will very often do more. I need to travel 23 miles for my medical appointments, thats 46 miles round trip…I will already be over my allowance for something I have to do, no choice at all. Its a shocking sitaution. Yes for some it will not matter, but for a great many it will change life for the worst – and it will not save one single penny! We pay regardless. Its not free, we pay, we do not keep the cars, we rent them. Not one person in the country will gain a bean from making life worse for many thousands of diabled people. Shame on this country!
There are currently 2 options for Motability:
1 offer exactly what they’ve been doing but add VAT on all APs. That means car with a £1,999 AP would increase to £2,399 for no other reason than Rachael’s measures.
2 change the terms to make the scheme cheaper then apply the VAT. This reduces that impact, if for no other reason than the risk has been halved simply by having cars on the road for half the allowance. The resultant drop in premiums could well result in an individual paying much less in terms of the VAT increase.
There will be individuals who have been massively inconvenienced by this change who are free to find a car elsewhere, in the same way some have already chosen to do so because of everything that’s happened over the past 12 months. If that plan doesn’t work for you, then seek advice from Motability themselves.
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
It has been a kick in the nuts by Labour.
It has bits what’s worse is that you’d expect it from the Conservative or Reform but from Labour?
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
I suspect that the changes won’t be as bad as the totality of issues raised in the survey. As with many of these surveys or consultations, they throw out all sorts of possibilities and then cherry pick those that will have the least detrimental impact but still achieve the objective.
Clearly the scheme, which is already unattractive for many of us due to poor choice, is only going to get worse from July when the government imposed VAT and IPT taxes hit the scheme. However, I think it makes a lot of sense to do some of what is being suggested (lower annual mileage allowance, removal of overseas cover etc) as part of the ‘core’ lease, in order to help offset some of the hit (which I believe has been estimated by Motability to be in the range of an extra £300 per lease). However, as with commercial leases, those who need higher mileage allowances, overseas cover etc should still be able to get them covered in their lease as long as they pay extra for them. Hopefully that will be what happens.
I just hope they don’t cut the mileage allowance in half to 10,000 from 20,000. The amount extra per mile I think was on the survey was something like 28p per mile extra. That would potentially cause many big problems. People in rural areas, getting to appointments., jobs etc. They do higher mileage because they have to, not through choice. They have cut most of the higher profile cars already, VAT is being added. Motability make a profit already. To make disabled people pay more just for the sake of it is disgusting. We pay for these cars monthly, they are not free like some make out. We’re not given them! we also have to give them back! It wont save a single penny, our benefits are paid regardless, we just use them to assist us getting around. What a terrible state this country has become.
I just hope they don’t cut the mileage allowance in half to 10,000 from 20,000. The amount extra per mile I think was on the survey was something like 28p per mile extra. That would potentially cause many big problems. People in rural areas, getting to appointments., jobs etc. They do higher mileage because they have to, not through choice. They have cut most of the higher profile cars already, VAT is being added. Motability make a profit already. To make disabled people pay more just for the sake of it is disgusting. We pay for these cars monthly, they are not free like some make out. We’re not given them! we also have to give them back! It wont save a single penny, our benefits are paid regardless, we just use them to assist us getting around. What a terrible state this country has become.
With commercial leases, the pence per mile penalty only applies if you take out a lease with a set mileage limit and you exceed it, but you can set a higher mileage at the outset and pay more for the lease. This works out a lot cheaper than the pence per mile charge for exceeding a lower mileage lease. Hopefully Motability will do a similar thing, so I wouldn’t worry too much at this stage.
10,000 x £0.28 is £2,800 a year. Over 3 years, £8,400 for the 30k miles extra, you get now. For those who needing 20k a year. Which is what the allowance is now, that is way too high.
The highest mileage. I’ve personally given a car back was with 42k or 45k on the clock.
So 12k over the 30k 3-year proposed allowance. I would have had to pay an extra £3,360. Luckily, my mileage has reduced somewhat. Now I’m only around doing 7k a year. Which is hardly anything. 3k spare, a year.
We are now homeschooling our daughter, and we might make a lot of regular Educational trips. I’m the only driver in our household.
I was considering doing a trip to almost the Arctic Circle, for her to see the aurora borealis. Passing through and stopping off in as many countries and places getting there and back to experience the cultures, language and food, 1st hand.
Oh, but you’re disabled, so you shouldn’t be allowed to do those sorts of trips, out of the UK, in your scheme car that’s suitable for your needs.
The last time I took my scheme car out of the UK was in 2019, and since 2011. When I originally joined the scheme only once. So maybe they should include the option for one trip a year, and after that, you pay more.
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In one of the Motability groups as an answer to a post asking about IPT I read this:
They sent me a survey thing today about the vat the insurance excess going to £300 4 tires per lease no gcb 10k miles per year. Said if this was to start 31st July what do you think. Im thinking thats what bringing in
That doesn’t sound dramatically far from other things I’ve heard in parts, increased excess, reduced mileage. Thoughts?
What worries me it does not state new leases just to start from 31st July, do you remember the small print on lease extensions, will they apply this to some of the existing leases ?
Unfortunately I have suffered a brain injury and occasionally I get confused and often say the wrong thing.
It really is just speculation and not worthy of consideration.
If it happens, it happens there is nothing you can do about it, but until then dont even read the nonsense.
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