- This topic has 30 replies, 15 voices, and was last updated 7 months, 2 weeks ago by
.
- Topic
Hello All,
I consider if I shall leave Motability (within a month) and purchase outright a car which is not on the scheme, or to remain and go for the next vehicle. I appreciate the cars below may not be for everyone’s taste, but please, be kind and refer to my calculations rather than to my choices / my taste.
Assumption
- For the purpose of this discussion the inflation within the next 4 years will be 0 (zero)
- From April 2025 an annual enhanced mobility element will remain circa £4,007 per annum for the next 4 years.
- I have charging point at home
- The charging cost of £0.07 per kw makes consumption difference between the two options below insignificant.
- I have generally good experience with EV cars for a long time and terrible with Plug-in.
- I prefer to stick to EV, as for my driving style and distances it is the best option.
Motability
- I consider to go with Skoda Enyaq 85x SportLine (providing there still be one in stock) – what I saw will cost just below £3,000 (because of 21″ tyres).
- I cover 20,000 miles pa.
- I normally keep Motability car for 4 years
Alternative
- As you may know, Jaguar seized manufacturing their EV cars until 2026.
- My personal assumption – they will not survive the market (hence their price within 4 years period will significantly decline)
- They have brand new (pre-registered) I-Pace HSE models dropped from over £70,000 they used to charge + extras to £40,000 with 10 to 30 miles on the clock.
- This model, due to its door, is easier for me to get and out than Motability alternatives.
- Its driver seat is very comfortable and I can get into required sitting position with no pain.
Finance
My Mobility PIP £4,007 x 4 (years) = £16,028
Savings on deposit £3,000
Paying for I-Pace – £40,000
Insurance for I-Pace (assumed same annual price for 4 years) – £,1200 x 4 = -£4,800
Normally I have to replace all 4 tyres during the lease -£350 x 4 = -£1,400Total £16,028 + £3,000 – £40,000 -£4,800 -£1,400 = -£27,172
At the end of 4 years period I expect this car with 80,000 miles won’t fetch more than £12,000 top
TCO (total cost of ownership) -£27,172 + £12,000 = -£15,172So I have a loss of -£15,172 vs loss of £19,028 with Motability (£3,000 deposit plus losing my monthly payments).
This sounds too good to me and I would like to have your opinions, please.
Thanks in advance.
Sent from a mobile device.
Apologies for briefness and spelling mistakes.Motability Skoda Enyaq SportLine 85x April 2024 (unhappy customer - Ombudsman pending)
Motability Mazda CX-60 July 2023 (unhappy customer - early termination on mechanical grounds)
Motability VW Touran Family Pack May 2019 (happy customer)
- Replies
Hello All, I consider if I shall leave Motability (within a month) and purchase outright a car which is not on the scheme, or to remain and go for the next vehicle. I appreciate the cars below may not be for everyone’s taste, but please, be kind and refer to my calculations rather than to my choices / my taste. Assumption
- For the purpose of this discussion the inflation within the next 4 years will be 0 (zero)
- From April 2025 an annual enhanced mobility element will remain circa £4,007 per annum for the next 4 years.
- I have charging point at home
- The charging cost of £0.07 per kw makes consumption difference between the two options below insignificant.
- I have generally good experience with EV cars for a long time and terrible with Plug-in.
- I prefer to stick to EV, as for my driving style and distances it is the best option.
Motability
- I consider to go with Skoda Enyaq 85x SportLine (providing there still be one in stock) – what I saw will cost just below £3,000 (because of 21″ tyres).
- I cover 20,000 miles pa.
- I normally keep Motability car for 4 years
Alternative
- As you may know, Jaguar seized manufacturing their EV cars until 2026.
- My personal assumption – they will not survive the market (hence their price within 4 years period will significantly decline)
- They have brand new (pre-registered) I-Pace HSE models dropped from over £70,000 they used to charge + extras to £40,000 with 10 to 30 miles on the clock.
- This model, due to its door, is easier for me to get and out than Motability alternatives.
- Its driver seat is very comfortable and I can get into required sitting position with no pain.
Finance My Mobility PIP £4,007 x 4 (years) = £16,028 Savings on deposit £3,000 Paying for I-Pace – £40,000 Insurance for I-Pace (assumed same annual price for 4 years) – £,1200 x 4 = -£4,800 Normally I have to replace all 4 tyres during the lease -£350 x 4 = -£1,400 Total £16,028 + £3,000 – £40,000 -£4,800 -£1,400 = -£27,172 At the end of 4 years period I expect this car with 80,000 miles won’t fetch more than £12,000 top TCO (total cost of ownership) -£27,172 + £12,000 = -£15,172 So I have a loss of -£15,172 vs loss of £19,028 with Motability (£3,000 deposit plus losing my monthly payments). This sounds too good to me and I would like to have your opinions, please. Thanks in advance.
As someone who left the scheme a few years ago, I would say it can work (but, then I would say that, wouldn’t I?).
However, whether it works is very much a matter of one’s own circumstances, particularly financially. I was fortunate in being able to pay outright for both of the vehicles purchased from my own capital. Then save the weekly £80+ pounds per week mobility supplement in a higher rate regular savings account.
Looking at your calculations, may I ask how your projected £40k capital to buy the vehicle outright is being financed?
If from savings etc, then add in the loss of interest on this capital (compounded over 4 years) into your calculations. At say 5% this could represent a tidy sum which ideally needs to be factored in to the overall cost, particularly in the early years until you have saved up your weekly allowance to a reasonable level to partially offset the loss of interest.
Or are you looking to finance the £40k, which most likely would be dependent on your financial circumstances if you can borrow so much?
If financing, depending on your income, credit history etc, then a high street bank personal loan may probably start from around 6.5% APR per annum upwards over 4 years.
If looking to finance via Hire Purchase, then look to maybe 10% APR plus per annum?
Or are you looking at a vehicle PCP etc (which isn’t really buying the vehicle outright due to the later balloon payment etc)?
Obviously what interest rate you will pay depends on your own circumstances.
Not forgetting that monthly payments on the above options may well be higher than your 4-weekly allowance.
Again the interest payable would need to be factored in to your equation, as, if borrowing £40k it could amount to a substantial sum. Then balance this against the cost of a scheme vehicle.
Also add in to your overall calculations an amount for annual servicing and for any repairs which fall outside of any warranty.
There are currently in auto trader 408 (!!!) pre-registrated Jaguar I-paces for sale, all with less than 500 miles, starting at just under £38k – effectively on sale at half price. Not sure why JLR have flooded the market as it kills residuals but they must have had to pre-register in order to meet the bonkers ZEV mandate.
Nevertheless, they do represent really good value and I am sure with so many sitting on the forecourt, additional deals – maybe on financing to be done. I fear for long term residuals though.
I test drove one when they first came out and it’s a good car and arguably one of the best looking SUV EVs as well.
I did briefly debate whether to leave the scheme altogether but we decided to stay on for the sheer convenience MB offers, not to mention rising insurance prices etc.
Good luck with what you decide.
I’ve often considered this myself but sadly can’t make the figures stack up. I’ve been with motability for nigh on 15 years and have noticed a steady decline in customer services with ever increasing APs which are pricing the average Joe out of the scheme. However, when you factor in the insurance, servicing, breakdown etc, I can’t get a car out of the scheme for the same monthly payment.
Hmmmm. An interesting debate that always polarises opinions. Some people insist that it’s always cheaper to run a car through the scheme and I know from experience that this isn’t true. Big Dave has given an excellent response and, like him, I have experience of running cars inside and outside the scheme (even at the same time!), so will happily share my experience and views.
Before I do that, your numbers make sense but your assumed insurance premiums seem ridiculously high. I know that EVs are very expensive to insure due to high repair costs and resultant higher likelihood of write offs, but do you live in a very high risk area? Also, keep in mind that many insurers will honour no-claims history as a Motability driver, which can bring premiums down significantly. You also need to factor in servicing costs. Breakdown cover can usually be ignored, as can repairs, as these will both be covered under a 3 year warranty. As for a Motability car, you should assume a 3 year lease, not 4 years. There is a strong chance (given your high mileage) that Motability will not allow you to extend beyond 3 years due to their new policy. Finally, as Big Dave says, you have to factor in the cost of finance (if needed) and loss of interest (if capital used).
Now to my experience. Some years ago, we took out a lease (through Motability) on a VW Tiguan 2.0 TDi for my wife. APs at the time were less than half what they are now. At the same time I ordered (privately) a brand new BMW 5 Series (520d Luxury Auto – same price as an M-Sport). I had gone to look at a 12 month old M-Sport but it had sold and the dealer said that they could get me a brand new one for a similar price. I added £10k worth of options to a factory ordered new car, but managed to negotiate a 25% discount, which effectively wiped out the cost of all the options. This hefty discount was the combined result of 3 separate discounts. A BMW discount, a dealer discount and a BMW Financial Services discount by taking out a PCP. However, I didn’t need finance so used a loophole that I have used several times before (including with VW), in that I took out the finance deal to get the extra discount, but one month after taking delivery I paid off the balance in full. In return for about £30 interest, I was able to keep the entire (many thousands £) finance discount. It’s a no brainer.
Fast forward 4 years and I sold the BMW privately and I worked out my total ownership costs. The biggest cost is always depreciation (although helped by the fact that I’d got 25% off up front). I had no servicing costs as I’d negotiated a servicing plan as part of the purchase. Other than servicing, there had only been a couple of minor issues that were sorted under warranty, free of charge. Breakdown cover, whilst never needed, was provided under the warranty. Insurance (fully comp) averaged about £300 a year (I was working at the time, so it included commuting). I only replaced 2 tyres over the 4 years.
Once I had my grand total ownership costs, I compared the average annual costs against the annual cost of the Motability car and was staggered to find that the Motability Tiguan had cost us more to run than the significantly better (in every respect, other than 4WD) 5 Series. As I say, this was before Motability APs went out of control, but on the flip side, I didn’t need finance so had no finance costs (which would have given a different result). I would have happily paid a lot more per month for the far superior BMW, but in reality had paid less.
Fast forward to today and we are now retired and down to one car – a Motability supplied PHEV. I wanted to try a PHEV and they don’t make financial sense to buy privately, but 6 months in and I’m not sure that they make much sense as a lease car either 😂 . At present, we aren’t interested in an EV, as real world ranges are too low (and we do far less mileage than you!), so next time we may well leave the scheme and revert to a petrol car, but this would be a second hand car of the type that is not available through the scheme (such as a BMW X5). Whilst I can afford a new car, I’m just not prepared to pay the ludicrously high prices that decent ones are these days.
However, if we were in the market for an EV I would get one through Motability, even if the finances made a private one cheaper. The EV market, both new and (particularly) used is in turmoil as private buyers don’t want them. Many reasons but I guess the principle ones being high upfront costs, poor real world ranges, poor (and very expensive) public charging infrastructure, appalling residual values, high insurance costs and (for millions of people) the inability to charge at home.
So, in summary, my view would be that if you want a good quality petrol or diesel car, it’s probably best to go down the private route, but if you want an EV the risks swing it in favour of Motability. I appreciate that this only works if you are happy to be limited to what Motabilty allows, which doesn’t include a Jag. However, the Enyaq seems to be one of the best EVs on the market and may well be even better than the Jag!
Hope that all helps, although I doubt it does 😂
Thank you all for very valuable comments – truly appreciated.
Finance
- Although I explicitly called out inflation zero in my assumptions to simplify the calculations, you’re absolutely right – if I pay myself I lose interest, if I take a loan – I must to accommodate its costs.
- Weak economy means weak pound, which in turn means more expensive import, which again will push inflation higher.
- So I accept I need to include the lost of interest I could receive, but I think because of high inflation (my money is on steady 3.5% pa) it is insignificant.
Obviously I could be wrong, although normally I am very good at those assumptions.
Insurance
- I went on Compare The Market website and the cheapest quote was from Admiral for £1,120. I live in Hampshire and I don’t think we have high crime rates in our area.
Taxes
- I haven’t had a car out of Motability for many years, but I think disable person could be exempt from the annual road tax. I hope it is still the case.
Loan
- @Glos Guy I loved your idea very much – was it PCP you took out and paid off a month after? Do you remember (roughly) the wording in the contract which allowed you to get out?
Running Costs
- Tyres – I know I will end up with 4 replaced during the period.
- Breakdown – good call. Will need to check, but I think it is covered for three years.
- Warranty – it comes with 5 years or 60K, which I will finish by the end of 3rd year, so I will need to count in an extra year of Extended Warranty.
- In the UK I agree it is expensive to charge outside your home. In my case I need to use public charges (despite my high mileage) 8-10 times a year. The HUGE disadvantage of Jaguar is that their charging rate is terrible in the modern standards – 104kW. Same Skoda 85x offers 175kW. But in reality it drops as the charging continues, so eventually, at my age, I won’t feel it: every couple of hours to stop for the loo whilst charging not a bad idea 🙂
Sent from a mobile device.
Apologies for briefness and spelling mistakes.Motability Skoda Enyaq SportLine 85x April 2024 (unhappy customer - Ombudsman pending)
Motability Mazda CX-60 July 2023 (unhappy customer - early termination on mechanical grounds)
Motability VW Touran Family Pack May 2019 (happy customer)Also worth considering imo is
Why the huge drop in price
Even if under warranty who would want the hassle
According to multiple sources, common problems reported with the Jaguar I-Pace include issues with the charging system, inconsistent reliability, occasional electronic glitches, concerns about the 12-volt battery, potential issues with the braking system (particularly the friction brakes), and complaints regarding long wait times for repairs at dealerships due to a backlog of repair requests
Glad that my ramblings were of some use 😂
I agree that the economy is in dire straights and likely to get worse whilst we have this government (which we are almost certainly going to have for at least 4 more years). The Bank of England are saying that interest rates will fall, but at a slower rate than expected, and not to the low levels of a few years ago. Inflation is likely to be higher than target which, as you say, will impact prices.
The biggest factor (car wise) will be whether or not the government wakes up to the fact that the ZEV mandates are completely unachievable. Worryingly, they don’t seem to have even the most basic grasp of supply and demand, let alone how businesses work, so it’s anybody’s guess as to how long it will take before they realise what everyone else with half a brain can already see!
In spite of inflationary pressures, I think that EV prices will have to fall in order to get private buyers interested, and I was reading an interesting article this week that good quality used diesel cars are appreciating in value, as savvy buyers are snapping them up as a long term proposition (I was in a Mercedes taxi last year that had done over 250,000 miles and still drove like new).
Insurance – are you allowing for No Claims Discount that you can transfer from your time with Motability? I’ve not looked at EV insurance, and I know that insurers don’t like them so are weighting premiums accordingly, but I looked at a £70k BMW X5 last year and it was around half what you’ve been quoted. It wasn’t an EV though.
VED (Road Tax) – yes, if you are entitled to a Motability car you will be exempt from VED on an alternative private car, including the first 5 year luxury car tax weighting.
PCPs – I can’t recall the precise wording, but I’ve done this a few times and it was dead easy. Two words of warning though. Don’t cancel during the cooling off period or that cancels the agreement and could lose you the discount. Do it just after. Secondly, be aware that whilst dealerships can’t do anything about it, they might be funny if you say up front that you’re going to do it. They get a commission for setting up the agreement and if it’s subsequently cancelled there is a possibility that they might suffer a claw back.
Having to charge an EV on public chargers 8 to 10 times a year would be 8 to 10 times too many for me (😂) but if you can charge at home at all other times then that will at least help to offset the cost and inconvenience of that.
Also worth considering imo is Why the huge drop in price Even if under warranty who would want the hassle According to multiple sources, common problems reported with the Jaguar I-Pace include issues with the charging system, inconsistent reliability, occasional electronic glitches, concerns about the 12-volt battery, potential issues with the braking system (particularly the friction brakes), and complaints regarding long wait times for repairs at dealerships due to a backlog of repair requests
Indeed – this is correct for I Pace prior 2023 facelift. I think it had been addressed after the facelift.
I have Skoda EV now and it spends time in the garage : 12V battery, sensors, breaks, flickering infotainment system… You name it. And yet, my dad (since his lovely Saab went busted) walks into Skoda dealership once every 3 years, returns his old Skoda Kodiaq, takes the new Skoda Kodiaq and is as happy as Larry.
As to the price drop – they stopped manufacturing I Pace, waiting for their new EV model to come out in 2026 for at least £100,000. I will be surprised if they will survive beyond 4 years as a business.
Sent from a mobile device.
Apologies for briefness and spelling mistakes.Motability Skoda Enyaq SportLine 85x April 2024 (unhappy customer - Ombudsman pending)
Motability Mazda CX-60 July 2023 (unhappy customer - early termination on mechanical grounds)
Motability VW Touran Family Pack May 2019 (happy customer)The one thing you can not buy with money is peace of mind that Motability affords you of course.
yes, if you are entitled to a Motability car you will be exempt from VED on an alternative private car, including the first 5 year luxury car tax weighting.
That is well worth having!
Skoda Enyaq Race Blue
The one thing you can not buy with money is peace of mind that Motability affords you of course.
A year ago, I would have agreed with you. But after experiencing multiple issues with my brand-new Motability vehicle just two weeks after delivery in April 2024, I would strongly challenge this statement.
The staff are exceptionally kind and polite, as they always have been (at least to me) throughout the years, but they are not proactive in the slightest. I was left to handle everything myself—coordinating with the garage and the dealership. I even had to escalate a complaint directly to the manufacturer in the UK. It took two months for my vehicle to be taken into the garage (again), where it has now remained for the past two weeks. Surprise: 12V battery had to be replaced, new breaks have been ordered, sensors may need to be replaced. You don’t say!
Every step has been documented and shared with Motability for transparency. However, aside from expressing sympathy for my situation, they have taken no action whatsoever.
I am now considering early termination of my lease to purchase a vehicle that I will genuinely enjoy—one where, if any issues arise, I can deal with them myself without relying on others to step in and assist.
Sent from a mobile device.
Apologies for briefness and spelling mistakes.Motability Skoda Enyaq SportLine 85x April 2024 (unhappy customer - Ombudsman pending)
Motability Mazda CX-60 July 2023 (unhappy customer - early termination on mechanical grounds)
Motability VW Touran Family Pack May 2019 (happy customer)I agree with this. They are great at making the right sympathetic noises but useless at actually fighting for their customers when things go wrong. To be honest in the 12 years I have been with them, their standards have definitely declined.
I just came back to the scheme after a few years off it. A few of the reason’s are: At the time waits where just too long for new cars and we needed something different as our requirements had changed. So at the the time it was the best solution. Luckily, I bought the car at 0%
Once I had a little prang, 1st one in a very very long time. As I was late to a funeral and the car Infront went, but then stopped on the roundabout, as another car zoomed onto the roundabout from the suns direction. I was creeping forwards and looking right. No damage to theirs, fortunately, so I sorted mine off the insurance.
Then someone hit me when parked in a BB bay in a car park, damaging front wing and the door. Dashcam captured nothing. Had that fixed off insurance also.
Then someone drove into the front of the car when parked on the street outside my house and drove off, likely my lovely next door neighbours. Was school holidays and didn’t drive the car for a few days and again dashcam didn’t capture anything as battery was flat or I’d turned it off, so the battery didn’t go flat, as it was only powered via 12v socket.
So no evidence to prove it was them. Even though their car suddenly had white paint on the front N/S.
So anyhow to much damage, to not go via insurance. Had a hire car for a month and cost apparently £6.5k to repair. So now my full NC bonus is lost, even if it was protected I’D have a claim against me so insurance would rise on renewal.
They have not admitted liability and so it’s in hands of solicitors and might go to court, as that’s the direction my insurance are currently taking it and the stress is something I can do without.
Car Would need 4 new tyres probably in June for the 1st MOT or soon after. Which is normal and had calculated into my figures. I did think to keep the car over the longer term but everything now considered. I thought coming back to the scheme was best for me..
Even if AP’S are higher so are servicing costs, parts and insurance.
Now, an EV suits our needs better than before and us only doing the odd roundtrip out of the cars range and only charging at home is a real new lease of life, compared to the cost of fuel.
A lot of the journeys I do are shorter ones and now its got cold again and I recently put my MPG to be calculated after every refill. Locally I’ve been been getting especially, when like now its near zero at night I was getting less than 24mpg. range was saying 200miles and around £60 a tank to fill it. This from a 1.4 mild hybrid the same size roughly as the ex30.
My off-road spot for charging is small. So I’m limited to that extent and as one needs an EV first to apply to get on the local Kerbo trial, that will open up other options of bigger cars later.
I could get the free home charger installed and got the NVP of £750 towards the ap and I’m on the eon next drive tariff, overnight it’s 6.7p a kwh so less than £5 for the full 64kwh battery on the ex30. To do over 200 miles, local driving. Saving £55 every time.
Overall I was paying more than on the scheme, but it was based on keeping the car for over 5 years and you lose money on all new cars, but with that you generally get reliability.
So used isn’t really as attractive as then you’ll likely buy it out of warranty. So added costs and don’t know how the car has been driven, as I need an automatic.
So all in all over 2.5 years I have lost £8,864 on the new value of the car. That not including serving and insurance and other costs.
So with Mobility component over 3 years being £11,817 and the odds are if I sold my car when it was 3 years old I’d get less for it then it’s on par. If I was to keep for long then it would be better, but the hassle and stress I had recently. Plus the ex30 new price is around £42k and I couldn’t afford that. So with the £1249 AP I actually paid and the free charger install. I feel its a better time for me to return.
I agree not everyone’s is in the same situation, so might be different. but it can work of and on the scheme but sometimes more stressful of it.
EX30 SMER Ultra
I Pace
Incorrect the facelift cured nothing as the 2024 still have these issues although they may have looked at why they were Self-combusting
imo the price drop is because they cant get rid of them following bad press
According to reports from What Car? and other automotive sources, the 2024 Jaguar I-Pace in the UK faces major reliability issues,
inc poor range compared to newer EVs, concerns about the charging system, potential battery overheating issues (leading to recalls), inconsistent braking performance, and a history of electrical glitches, making it one of the least reliable electric SUVs on the market; furthermore, some users report issues with the bodywork, rear visibility, and overall build quality.
My advice and valid points remain but feel free to gloss over if you wish
Brother -in-law’s wife has had one (22 plate) from new for a few years now, they swapped out of a Citroen E-C4 because of the Citroens crap range (liked it otherwise). She loves the Jaaag & does a fair amount of miles every year. No faults so far. Her only complaint is the dire range for the size of the battery, around 200 miles is the norm from 85Kw!
Brother-in-law says the only problem is she becomes Stirling Moss behind the wheel compared to her other cars, zoom zomm everywhere.
In life, it's not who you know that's important, it's how your wife found out.
It has been stated that the PIP payment runs to £4000 a year, but this payment is tax free, so as I am a UK basic rate tax payer the effective payment for me would be £4800.
I don’t understand the point you are making. Would you mind explaining what you mean in a bit more detail? Thanks
It has been stated that the PIP payment runs to £4000 a year, but this payment is tax free, so as I am a UK basic rate tax payer the effective payment for me would be £4800.
PIP doesn’t form part of your taxable income so doesn’t effect if or how much income tax you pay
EX30 SMER Ultra
It does mean that as I am not receiving the £4000 tax free amount, (it is going to motability) that I would need to earn £5000 to replace the amount not received (20% tax payable).
So it is very relevant to any UK income tax payer, and must not be missed in any calculations.
Irrelevant, your missing the point. Basic finance guys
Do you refer to salary sacrifice, when someone takes a company car? It makes sense with a slight correlation of 2% BiK for EVs at the moment, with no guarantee the current government won’t bring it to its abrupt end next year and then the BiK go up.
Sent from a mobile device.
Apologies for briefness and spelling mistakes.Motability Skoda Enyaq SportLine 85x April 2024 (unhappy customer - Ombudsman pending)
Motability Mazda CX-60 July 2023 (unhappy customer - early termination on mechanical grounds)
Motability VW Touran Family Pack May 2019 (happy customer)Irrelevant, your missing the point. Basic finance guys
I get that to generate £4,000 from taxable income you need to earn £5,000. However, I don’t think it’s relevant when it comes to comparing Motability versus private purchases. PIP is tax free and to get a Motability car you sacrifice £4,000 a year. If you go private, you still have exactly the same tax free £4,000 to put towards a car . It is therefore irrelevant whether or not you pay tax as, even if you do, you have not funded that £4,000 from taxable income.
There is one thing that worries me whether you are going onto Motability or buying a car is the local dealer that ford and now Suzuki are culling there dealers for I think over 50 in UK, and if you do have problems like I had quite a few years ago I had 4 issues of taking it back to the dealer which was annoying but it was only 3 miles away. I did have in one problem the Garage had fixed the engine warning light coming on and when I nearly got home it came on again so back I went again. My local dealer now was Glyn Hopkins but Stelantis has again culled there dealers and as I got free pick up and deliver for service and any problems that may happen my nearest dealer now is over 11 miles so that makes 22 miles total and they want to charge over £40 for service and what happens it god forsake you had the problems I mentioned in this post it would be a total stressful nightmare so there would be no piece of mind in that case.
- You must be logged in to reply to this topic.