Direct Line and cars for under 25s.

  • This topic has 13 replies, 5 voices, and was last updated 2 years ago by Andy.
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    Topic
  • #233669
    Wazza
    Participant

      Now that Direct Line has taken over RSA do you think they will relax the rules for under 25 cars? As time passes cars for under 25s are getting smaller.

    Viewing 12 replies - 1 through 12 (of 12 total)
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    • #233674
      Elliot
      Participant

        I’ve said this for ages but according to Motability, they have no plans to change the rules.

        #233676
        swwchris
        Participant

          I would not be surprised if they tightened the criteria rather than relaxed it, having said that there are currently some great choices of car for under 25s. Obviously the challenge comes when there is a need for a large car due to disability, and because of the way insurance works (in the case of Motability statistics based on 18 – 25 year olds rather than a combination of age, address, job etc) I don’t think there is any answer to that.

          #233683
          kezo
          Participant

            I think its based on a flatline cost on each of 50 groups, where Motabibility agree a base price for regardless where you live in the country and also taking nto account a certain number of penalty points. Somewhere in all this Motability have agreed one price with the insurer for under 25’s to drive up to “x” group and “y” bhp on a take it or leave it basis, with no optoin for under 25s to pay out of their own pocets to drive sa a maximum of 3 groups higher.

            #233687
            swwchris
            Participant

              I think its based on a flatline cost on each of 50 groups, where Motabibility agree a base price for regardless where you live in the country and also taking nto account a certain number of penalty points. Somewhere in all this Motability have agreed one price with the insurer for under 25’s to drive up to “x” group and “y” bhp on a take it or leave it basis, with no optoin for under 25s to pay out of their own pocets to drive sa a maximum of 3 groups higher.

               

              ?

              #233689
              Jaro
              Participant

                They don’t take into consideration where the disabled person needs a larger car but the only driver they have is under 25.

                #233697
                swwchris
                Participant

                  They don’t take into consideration where the disabled person needs a larger car but the only driver they have is under 25.

                  Recognise that challenge but unfortunately its the way insurance works. Risk is calculated using a formula and whether or not the driver is disabled is most likely a factor not taken into consideration (if it were it could affect policy either way dependent on stats).

                  #233724
                  Elliot
                  Participant

                    My son is 6’4″ and under 25. There is not a single suitable car on Motability for him. The thing is when you see the people on here who are having the accidents, it always seems to be the over 25’s.

                    #233751
                    swwchris
                    Participant

                      I can name at least one – Audi A3 (from experience)

                      Others which to be honest I have not driven-

                      Kia Stonic

                      Seat Arona

                      Seat Ateca

                      Skoda Karok

                      Suzuki S-Cross

                      Some of the above are pretty big vehicles

                      #233754
                      Elliot
                      Participant

                        I can name at least one – Audi A3 (from experience) Others which to be honest I have not driven- Kia Stonic Seat Arona Seat Ateca Skoda Karok Suzuki S-Cross Some of the above are pretty big vehicles

                        He doesn’t fit in an Audi A3, he’s tried.

                        With due respect a big car with a maximum of 120bhp isn’t really on.

                        #233755
                        swwchris
                        Participant

                          I can name at least one – Audi A3 (from experience) Others which to be honest I have not driven- Kia Stonic Seat Arona Seat Ateca Skoda Karok Suzuki S-Cross Some of the above are pretty big vehicles

                          He doesn’t fit in an Audi A3, he’s tried. With due respect a big car with a maximum of 120bhp isn’t really on.

                          I am amazed because I am same height but obviously if he has tried then only he will know.

                          120bhp is plenty of power for all the cars listed and will take a full car to max speed limit pretty quick (I have driven the Skoda with an auto box and it goes well). We will have to agree to disagree about that one?

                          I think what he is saying is that he wants a Motability car which is big, cool, fast and with lots of street cred (rest assured I do understand)

                           

                          • This reply was modified 2 years ago by swwchris.
                          #233764
                          Elliot
                          Participant

                            I can name at least one – Audi A3 (from experience) Others which to be honest I have not driven- Kia Stonic Seat Arona Seat Ateca Skoda Karok Suzuki S-Cross Some of the above are pretty big vehicles

                            He doesn’t fit in an Audi A3, he’s tried. With due respect a big car with a maximum of 120bhp isn’t really on.

                            I am amazed because I am same height but obviously if he has tried then only he will know. 120bhp is plenty of power for all the cars listed and will take a full car to max speed limit pretty quick (I have driven the Skoda with an auto box and it goes well). We will have to agree to disagree about that one? I think what he is saying is that he wants a Motability car which is big, cool, fast and with lots of street cred (rest assured I do understand)

                            No it’s not that at all. He already has a nice car with plenty of street cred away from the scheme. He would join the scheme if something suitable was on there. I’ve recently given up a Ford Mondeo company car which had 118bhp and it was hard work getting it up to speed. I’ve never had to change down gears on a motorway before to overtake cars. He’s been driving since he was 16 and has no points on his licence and has never had an accident.

                            #233786
                            Andy

                              I’m 6ft 6 and have always struggled to find it the perfect car on Notability for my disabled son. So far we’ve had an SMax, Mondeo estate, Focus ST estate, BMW Gran Tourer and currently driving a VW Passat estate. None of them have been perfect and pretty tight on long 500 mile journeys

                              My 17 year old son is also 6ft 4 and now wants to drive his own notability car,

                              He needs room for his day chair and his sports wheelchair to travel to training and competitions and it’s pretty slim pickings for him. We’ve a year left on our lease, sadly he can’t drive our current car as it’s for over 25s.

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