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Here’s a very recent BangerNomics example. My 85 year old mother-in-law (who lives solely on state pension and benefits) had run around in an S reg (1999) VW Passat Estate for around 12 years. She had to fork out a few hundred quid in maintenance costs each year but it was still incredibly cheap motoring. At the cars last MOT, at 22 years old, the repairs became uneconomical so she binned it and bought a 2009 VW Golf Estate with 161,000 mikes on the clock for £1k. Unfortunately, after just one month (whilst still getting used to the car) she managed to scrape it down the side of a stone wall (she lives out in the sticks). She got a quote for repairs of £750. As she doesn’t intend to drive for much longer, she went to her insurers who, as we expected, said that the car was uneconomical to repair and would be written off. They offered her £2,000 for the car (they didn’t ask about the mileage which, come to think of it, insurers don’t, so they had obviously valued it on average mileage). Now here’s where it gets bizarre and I still don’t understand it (never having written a car off myself, thankfully). As it was a category N write off (cosmetic only) they let her buy the car back for just £200 so, after paying that and her £50 excess she had the car back plus £1,750. She put the car in for repair (cost £750) and now has the repaired car back plus £1,000 in her pocket. As she had protected No Claims Discount, her insurance continued unaffected. I still can’t get my head around it as it seems nuts to me, but that’s what’s happened!
You can buy a car back of insurance often deducted from the payout as long as its not a wright off in the sense its a danger to put back on the road and needs crushing
Category A applies to a car that is extensively damaged and is only fit for scrap. All parts, including salvageable ones, should be destroyed.
Category B describes a vehicle that has significant damage to the body, which should be crushed. Undamaged parts may be salvaged and can be used as spares on other cars.
Why do people keep knocking the Motability scheme, we have been both sides of the fence and brought nearly and new cars. The scheme is not perfect, but neither is it bad, since being on the scheme all no stress or worries, would we consider coming off the scheme, no chance, I know a good deal and I am sticking with it.
Unfortunately I have suffered a brain injury and occasionally I get confused and often say the wrong thing.
Why do people keep knocking the Motability scheme, we have been both sides of the fence and brought nearly and new cars. The scheme is not perfect, but neither is it bad, since being on the scheme all no stress or worries, would we consider coming off the scheme, no chance, I know a good deal and I am sticking with it.
I’m certainly not knocking the scheme,rather saying there are other viable options should you choose not to be on the scheme.
Why do people keep knocking the Motability scheme, we have been both sides of the fence and brought nearly and new cars. The scheme is not perfect, but neither is it bad, since being on the scheme all no stress or worries, would we consider coming off the scheme, no chance, I know a good deal and I am sticking with it.
I’m certainly not knocking the scheme,rather saying there are other viable options should you choose not to be on the scheme.
Kezo I am not saying you are knocking the scheme far from it, but the scheme is a life line for many, I have been there brought car, lost money, poor service etc, we have all been there, for the majority the scheme is excellent, however for those who do very low mileage and short journeys that a different story.
Unfortunately I have suffered a brain injury and occasionally I get confused and often say the wrong thing.
Here’s a very recent BangerNomics example. My 85 year old mother-in-law (who lives solely on state pension and benefits) had run around in an S reg (1999) VW Passat Estate for around 12 years. She had to fork out a few hundred quid in maintenance costs each year but it was still incredibly cheap motoring. At the cars last MOT, at 22 years old, the repairs became uneconomical so she binned it and bought a 2009 VW Golf Estate with 161,000 mikes on the clock for £1k. Unfortunately, after just one month (whilst still getting used to the car) she managed to scrape it down the side of a stone wall (she lives out in the sticks). She got a quote for repairs of £750. As she doesn’t intend to drive for much longer, she went to her insurers who, as we expected, said that the car was uneconomical to repair and would be written off. They offered her £2,000 for the car (they didn’t ask about the mileage which, come to think of it, insurers don’t, so they had obviously valued it on average mileage). Now here’s where it gets bizarre and I still don’t understand it (never having written a car off myself, thankfully). As it was a category N write off (cosmetic only) they let her buy the car back for just £200 so, after paying that and her £50 excess she had the car back plus £1,750. She put the car in for repair (cost £750) and now has the repaired car back plus £1,000 in her pocket. As she had protected No Claims Discount, her insurance continued unaffected. I still can’t get my head around it as it seems nuts to me, but that’s what’s happened!
You can buy a car back of insurance often deducted from the payout as long as its not a wright off in the sense its a danger to put back on the road and needs crushing Category A applies to a car that is extensively damaged and is only fit for scrap. All parts, including salvageable ones, should be destroyed. Category B describes a vehicle that has significant damage to the body, which should be crushed. Undamaged parts may be salvaged and can be used as spares on other cars.
It’s been an education for me. I have always considered insurers to be rip off merchants who will do anything they can to avoid or minimise pay outs. However, in my mother-in-laws case, they have effectively reimbursed in full what she paid for the car, plus paid for the repairs AND let her keep the car. She’s now driving a car that hasn’t cost her a penny. It’s great for her but just doesn’t make sense for the insurer. I remain baffled!
So suggesting alternatives to the scheme as is the heading of the post is knocking the scheme or suggesting the reasons, which are growing, as to why the scheme may not work for many now, is knocking the scheme. suggestting the reason you might leave and what you do is knocking the scheme. Saying anything not good about the scheme is knocking the scheme.
Seems in current times debate or certain disscussions cannot be had without some trying to close them down, as they just don’t agree with the alternative views put forward. which is what this topic is about?
would not surprise me if this topic is closed down, like many others.
This topic is very relative to many on the scheme right now and what will happen moving forward. especially if you’ve extended for 5 years already, as no car was suitable, and now it’s high unlikely that it will happen now. So then what do you do..
Seems as if many just don’t want to accept that right now that the scheme is not what it was and with current ap’s and the removal of many cars from the scheme as the ap’s are higher than the cap is a big issue and will get bigger imo. Not that everyone can afford such high ap’s. right now the cheapest automatic large suv is £1,499 ap which is still £41 a month extra over 3 years.
I never asked for a grant thus far but to stay on the scheme maybe i will have too and then be limited to what cars they allow me.. as will many others moving forward. thats what’s sad about the situation, that many just don’t seem to see. Nothing is free we all pay for it in the long run.
If the scheme still works for a person that’s for each person to workout for themselves but without full knowledge how could they.
Many to stay on the scheme will have to make hard choice’s of what they can and cannot do without in a car or wav.
In the past i have been a great advecote of the scheme, but right now that’s becoming harder and harder, especally for those on the lowest incomes. After all we have to sign to say the car is suitable for our needs for 3 years. Now the 1st thing to suggest to others, is try to apply for a grant, rather than what cars maybe suitable for there needs.
For me, If I’m unsuccessful in getting a company car at my next review i”l be looking at joining my companies EV salary sacrifice scheme.
Only car on the scheme I would currently have is the Hyundai Tucson ultimate Auto with Tech pach, totalling £6899, I would have it for probably 4 years so my monthly cost would be:
Enhanced rate £64.50x 52 / 12 = £279.50 per month
AP split over 48 months £143.73 per month
Total month cost £423.23 on Motability
Salary sacrifice scheme covers all aspects of driving same as Motability, and has large range of vehicles with no upfront costs.
I could have a VW ID4 GTX MAX (List price in excess of £55k) for £656 per month over 4 years, once you take off the PIP payment i’d have back off this figure my net monthly payment would be £376.50 (656-279.50) saving roughly £50 per month as well as fuel savings. They also have offers on for free wall chargers regularly.
As salary sacrifice scheme is dependant on salary its difficult to show comparisons, but if you google octopus ev scheme and go to employee section you can get a quote with only putting salary info and date of birth in.
Scheme is free for employers and there is no credit check on employees.
Hope this helps
For me, If I’m unsuccessful in getting a company car at my next review i”l be looking at joining my companies EV salary sacrifice scheme. Only car on the scheme I would currently have is the Hyundai Tucson ultimate Auto with Tech pach, totalling £6899, I would have it for probably 4 years so my monthly cost would be: Enhanced rate £64.50x 52 / 12 = £279.50 per month AP split over 48 months £143.73 per month Total month cost £423.23 on Motability Salary sacrifice scheme covers all aspects of driving same as Motability, and has large range of vehicles with no upfront costs. I could have a VW ID4 GTX MAX (List price in excess of £55k) for £656 per month over 4 years, once you take off the PIP payment i’d have back off this figure my net monthly payment would be £376.50 (656-279.50) saving roughly £50 per month as well as fuel savings. They also have offers on for free wall chargers regularly. As salary sacrifice scheme is dependant on salary its difficult to show comparisons, but if you google octopus ev scheme and go to employee section you can get a quote with only putting salary info and date of birth in. Scheme is free for employers and there is no credit check on employees. Hope this helps
I have never thought of this as an option Chris. Thanks for sharing.
I’m with Rox in that whenever someone suggests an alternative to Motability they get shouted down as knocking the scheme. I understand how the scheme is a godsend for many people, but it has to be said that at this moment in time it doesn’t suit a lot of people due to upfront cost, choice etc. When I took out the Motability lease on my current car it was a no-brainer however as it stands today, there isn’t a single car on the scheme that I find suitable and if I had to change my car I would have to look elsewhere. If this is the case in just under 2 years time, I will probably lease privately again and can tailor a deal to suit me. Yes, the monthly payment will be higher but the AP won’t be. I’m always interested to hear what other people have done when leaving the scheme and I think as things are this is an excellent thread.
There are a lot of different people with varying needs on the scheme. We are into the eighth year of the lease on our WAV, so it has cost us a lot, even without taking into consideration the large advance payment. I would do it all again in a heartbeat, in fact I am.
Whilst not perfect, the scheme is a lifesaver for many, especially those who cannot lease privately. Choice is low at present, as is the case in many aspects of life.
Hi,
Chris M. Your maths does not add up? Under Motability your monthly cost is £423 and under EV salary sacrifice it is £656 so £233 more, not £50 less.
Banger-nomics. Been there. It’s like gambling, people only tell you of their wins. The peace of mind over a Motability car runs far deeper than the financial, it’s about eliminating risk. You have to touch the flame to understand; If you have ever been so scared taking your car for an MOT that it has affected your health, or been in a situation where your car has failed its MOT and needs hundreds of pounds of welding and you have no money, literally no money, no overdraft facility and no credit cards, the only option is to borrow from family, as without your car you have no way of getting to your job as you work shifts and the busses don’t run.
I’ve said about my successes, you’ve asked about the failures.
I’ve had one. My second ever car, a Lada that cost me £100 and cost me £10 per mile….because I only ever did 10 miles in the blooming thing.
My first car – Renault 14, cost me £150, did over 40k miles and took me all over the country. We made the huge mistake of scrapping it over a CV joint repair that we deemed too expensive for the initial cost of the car but ended up paying way more and not just financially in the end because of the mistake that was the Lada.
Then the Lada – Massive, massive mistake.
Astra estate – £235, Again, went all over the country, many many thousands of miles, low repair costs but decided to trade up for a more luxurious car. Did have an annoying leak in the boot though..
Cavalier saloon – £285. Oh so comfortable and in good working order but not really suitable for our growing family as once middle son arrived and a double buggy was needed, an estate needed to be purchased. Sold it to a friend for £200 who ran it about for ages and who then sold it to my brother who ran it for a few more years.
Sierra Estate – £425. Hated this car, nothing was bad about it but after wanting one for ages, I just didn’t like how it drove, how if felt, the seating etc.
Passat estate diesel – £2,400. Loved, loved, loved this car. It was built like a tank, drove like a tank and protected like a tank. It sailed through the MOT for the 5 years we had it and only needed the normal things like tyres, filters and oil. We put over 100k on this car and it took us all over the country but more importantly, when a lorry decided it wanted my lane on the M25, it protected us from serious injury.
Audi A4 estate diesel – £3,200. Hated, hated, hated this car. Blooming great white elephant not helped by the fact that I gave up my beloved Passat for it because it was the newer car (it came from the husband’s employer) and because I got it from the divorce. It felt too light and was buffeted going over bridges and had so many problems we lost count. The cambelt went on it despite it not being due to be changed through time or miles and that was the end of my ownership of it….I wasn’t sad to see it go.
Astra estate diesel – £461. Ambivalent about it, it was suitable for the double buggy and later the wheelchair but comfort was next to zero. Had a few things over the years but nothing too major or worrying and I ran around in it for over 6 years before it finally gave up the ghost.
Peugeot 406 estate diesel – £750. Oh the luxury, the person who first bought this car had added every conceivable extra to it. A stately and oh so comfortable ride and loads of miles put on this in my ownership, it was also another car that sailed through the MOT every year and in fact, had never failed an MOT in its lifetime. Sadly, by this point my issues were becoming greater and it was becoming impossible for me to drive as it was a manual vehicle with a handbrake that at the end I could no longer put on independently, nor could I get out of the car without lots of assistance and it was at this point I opted for a Motability vehicle. I sold ‘Peggy’ to my brother and it served him well.
I did rely on the bank of mum and dad for the second Astra and the Peugeot (loans not gifts), even for the normal stuff like servicing and yes, I did get a few panic attacks just prior to putting all the cars in for MOTs but then the bank of mum and dad also helped with the advance payment for my second Motability vehicle too (again paid back over time)
I get your point though, one of the major things aside from not being able to afford a suitable vehicle for my needs on the second hand market, was the reliability, the ease and more stress free experience of having a Motability vehicle, it was a major point of attraction for me.
My major issue now is that I have been priced out of the Motability market (if you can even find something that suits your needs that is). I was supposed to change my car last September but there was nothing that was both suitable and affordable, I could get affordable but worse in suitability than my current car so I have extended my lease for two years in the hope the market settles down, advanced payments comes down to a more reasonable amount or I can get a grant. If none of those happen, I will have no choice than to speak to the bank of mum (dad no longer with us) and source a second hand car that is more suitable and use the mobility element of PIP to pay for the ongoing costs instead.
Salary sacrifice scheme cost is £656 but I would have the PIP money back in my account to offset against the £656, so £656 less PIP element i have back per month £279.50 = Net payment of £376.50 (Approx) £50 less than cost on motability
I never spent so much money on motoring in my life up until this now..
Over 30 years motoring 2 Volvos purchased in that time, £1400 the first, £3700 the 2nd, insurance never over £280 fully comp me and the Wife, even had my 17yr old Daughter added at one stage..
Did all my own work, including cam chain changes mot work etc..
Got a chance of a Alfa diesel gulietta 65 plate free, yes free fully comp insurance less than £240 me and the Wife, free tax even without disability..
Problem being it’s manual, and low, also not so strong with the spanner’s to date..
However the scheme still seems a good deal so far..
My major issue now is that I have been priced out of the Motability market (if you can even find something that suits your needs that is). I was supposed to change my car last September but there was nothing that was both suitable and affordable, I could get affordable but worse in suitability than my current car so I have extended my lease for two years in the hope the market settles down, advanced payments comes down to a more reasonable amount or I can get a grant.
Out of curiosity, mainly because we don’t have the need to accommodate for wheelchairs etc.
How suitable you’d think the new Dacia Jogger would be for you (and by extension then, others with similar requirements)?
I’m pretty certain that it’ll find its way to the scheme eventually, and the prices should be reasonable.
Prior: SEAT Ateca Xcellence Lux 1.5 TSI DSG MY19, VW Golf GTE PHEV DSG MY23
Current: Hyundai Ioniq 6 Ultimate
Next: we'll see what's available in 2028.I recall the Duster had an ap of 3749, when a Tiguan/X1/Tucson and the like were 999-2499. Logic would dictate the Jogger would have a low Ap however, resales etc all can impact.
Jogger from £15,000 new, why would anyone pay their 10k plus whatever AP to lease the car when they would have almost paid for the thing?
Doesn’t always need to be the top spec.
The current top spec Duster is £3000 (for a £17k car), you’d have to be mad to pay that. The important question would be what the middle spec costs.
That all said, i just realised that the Jogger doesn’t have an automatic. Not in any spec, nor optional. So that’s a bummer then.
Prior: SEAT Ateca Xcellence Lux 1.5 TSI DSG MY19, VW Golf GTE PHEV DSG MY23
Current: Hyundai Ioniq 6 Ultimate
Next: we'll see what's available in 2028.Jogger from £15,000 new, why would anyone pay their 10k plus whatever AP to lease the car when they would have almost paid for the thing?
Because especially disabled people don’t necessarily have the credit rating to get finance, for starters?
Prior: SEAT Ateca Xcellence Lux 1.5 TSI DSG MY19, VW Golf GTE PHEV DSG MY23
Current: Hyundai Ioniq 6 Ultimate
Next: we'll see what's available in 2028.@AD1 Salary sacrifice scheme cost is £656 but I would have the PIP money back in my account to offset against the £656, so £656 less PIP element i have back per month £279.50 = Net payment of £376.50 (Approx) £50 less than cost on motability
Chris,
For the purpose of the exercise let’s assume you earn £1000 per month:
Salary sacrifice:
£1000 per month wages + PIP @£279 50 = £1279.50 (deduct £656 for car) leaves you with £623.50 per month
Motability:
£1000 per month wages (PIP payment goes straight to Motability) (deduct AP split over 48 months @£143.73 per month) leaves you with £856.27 per month
Left the scheme and bought this
8 years old, 2.0 Bluehdi 150 EAT6 Exclusive+, 1 owner, 27,000, FSH, inc full year MOT and 2 years warranty, now chipped to 190bhp.
Still less than a new Dacia and if I trade it in 3 years from now it won’t have lost 70% of it’s value.
I always thought i’d be on Motability all my life, i have no desire to have a fancy car. I’ve had lovely support and nice brand new cars from them that have helped me keep my mobility, thank you, but the disgusting profits i see, rising prices i’ve to contend with, i cannot afford to hand over my allowance anymore, i don’t travel and i’m almost a recluse since it costs a lot to do anything much these days. I will also leave the scheme this year. I will go for all electric car that costs buttons to run + maintain, i can’t continue to give them money to increase their profits again.
I’m sure i’m not the same, i feel a sense of trepidation in owning a car. I have no idea what to expect, will the engine fall out? how expensive are tyres? What about my insurance. All real world issues i’l have to contend with that everyone else who’s not a motability customer manages with, it’s not the end of the world having to own (y)our own car, i have earmarked a polestar as a potential, most electrics are really ugly IMO and whilst i don’t want a fancy car, i also don’t want one that looks like it was designed by someone wearing blinkers.
Polestar costs are about £45k and a 4-6k deposit, and around 500pcm. I’m happy to pay that for a car i’ll own and no real running costs (in comparison) to a motability car + regular fuel, and increasing their profits. I know not everyone can afford to make this choice.
That was really not the ‘alternative’ I was expecting when you stated:
‘rising prices i’ve to contend with, i cannot afford to hand over my allowance anymore, i don’t travel and i’m almost a recluse since it costs a lot to do anything much these days’
Good luck, if you were not already aware you get 3 years free servicing with a Polestar, so good news.
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