Options if/ when leaving Motability.

  • Creator
    Topic
  • #197321
    Tony D

      I have seen numerous comments of folks intending to leave the scheme, and for different reasons. What I tend not to see is their intended replacement vehicle, and associated financial implications.

      > Type of vehicle.
      > Age of vehicle.
      > Price limit.
      > Means of payment.
      > Adaptations.
      > Estimated total expenditure over three years.

       

    Viewing 10 replies - 26 through 35 (of 35 total)
    • Author
      Replies
    • #198607
      BionicRusty
      Participant

        Touché, Dave. ?

        Yes I agree it’s personal choice.

        Our Discoverys had gearbox’s, one engine and lots in between.
        My worst Jaguar had all of the electrical system replaced a little at a time, including the infotainment system, all door and window mechanisms, most of the air-con and much, much more before the engine ate itself. I have a list on one of the pc’s and it’s an A4 sheet with 2 column, top to bottom and it’s full.

        In defence of the GLB, you have a new model. I really like them and looked at a couple when I was still employed but decided against it as I’ve tended to steer clear of the first release of a new model. They’re always problematic.
        It would have been a small diesel, though, not a ‘35’ like yours.
        When I looked, there was one in the showroom and the stats were incredible. Way too quick for an SUV. 😉

        Anyhoo, please don’t take offence. I only go by personal experience, as you obviously do. If I like, I try and if it had been reliable, I’d still have my XF today.

        ATB

        ? I will be remembered for nothing but had great fun doing it ?

        #198622
        vinalspin
        Participant

          Well I have had a few JLR motors over the years and found the newer they were the more gadgets they had the less reliable they became, again a personal experience but seems quite a common thing.

          I did have an Alfasud, the most reliable car in the world, I could rely on it to break down every single time I took it out, even just to the local shop, you kinda got used to the noises it made before it died and usually could eventually coax it back to life. ?‍♂️?

          #198624
          Avatar photostruth
          Participant

            A mate has an alpha and it’s always in garage. Last stay was over 6 months.

            He is in process of getting an ev via a work wage deferral. Forgot the make but Chinese big 2 motor car. Looks business.

            Current Car: Hyundai Kona Premium EV...2 way 40kg hoist
            Last Car: Toyota C-HR Excel Hybrid...4 way 80kg hoist

            #198630
            kezo
            Participant

              Everones financial situations differ. It is this that determines whether you (A) stay on the scheme (have no other option), (B) buy used, (C) buy new. Your financial situation also determies the type (class) of car should you choose to come off the scheme.

              I also see people quoting extortine main dealer service costs in their calculations.Depending on the car independent specialists are fully brand trained and in many ways do a better job than a main dealer and also cheaper. There are also respected back street garages that are also far cheaper than a main dealer. Its a different scenario if you buy new, but most offer service packages that reduce the cost. It is also allowable to take a new car to VAT registered garage, as long as they use genuine parts the warranty remains.

              Same with tyres there is no need to replace with top end, many mid range tyres go through the same vigorous testing.

              I looked at eaving the scheme last december because there wasn’t nothing suitable and high ap’s. In the end I chose to remain, for how long is another question. I also think you need to base your total expenditure over 5yrs, as is now common on the scheme and don’t forget to add ontop of a 5yr lease the ap.

               

              #198656
              Glos Guy
              Participant

                I also see people quoting extortine main dealer service costs in their calculations.Depending on the car independent specialists are fully brand trained and in many ways do a better job than a main dealer and also cheaper. There are also respected back street garages that are also far cheaper than a main dealer. Its a different scenario if you buy new, but most offer service packages that reduce the cost. It is also allowable to take a new car to VAT registered garage, as long as they use genuine parts the warranty remains.

                It’s also worth noting that many manufacturers / franchised dealerships offer heavily discounted services for cars that are 5 years old or over. These often include free breakdown cover for the year and a discount off the MOT.

                #198658
                steve

                  Whilst going off topic the best car I ever had was a Mk3 Granada. Purchased for just over £200, the number plate didn’t match the ones etched into the windows, the engine serial number didn’t match the log book and two keys one for the doors and another for the ignition but came taxed and Mot’d.

                  I ran it for a year and spent nothing on it apart from another MOT and tax for my brother. He ran it for another 18 months before snapping the key in the ignition and then we sold it for £120 scrap!

                  Talk about trouble free motoring, not only because it didn’t need any work on it but if it got marked or dinged in a car park, it didn’t matter.

                  Of for those days when you could get a cheap “banger” and run it until it broke and then scrap it and buy another.

                   

                   

                   

                  #198667
                  kezo
                  Participant

                    That brings back memories @steve I did similar in my younger days with a MKV Cortina 2.3 Ghia, but rather than scrapping it I went banger racing in it.

                    #198674
                    Avatar photoDougieB
                    Participant

                      Whilst going off topic the best car I ever had was a Mk3 Granada. Purchased for just over £200, the number plate didn’t match the ones etched into the windows, the engine serial number didn’t match the log book and two keys one for the doors and another for the ignition but came taxed and Mot’d. I ran it for a year and spent nothing on it apart from another MOT and tax for my brother. He ran it for another 18 months before snapping the key in the ignition and then we sold it for £120 scrap! Talk about trouble free motoring, not only because it didn’t need any work on it but if it got marked or dinged in a car park, it didn’t matter. Of for those days when you could get a cheap “banger” and run it until it broke and then scrap it and buy another.

                      Disposable motoring is the finest and enjoyable kind of motoring. I used to buy old motors and run them into the ground before sending them off to be banger raced. Had everything from a Mitsubishi Pajero to Jag XJ40’s and finally, a Rover 75 diesel which I brought for £400. That was honestly the most comfortable car I’ve ever had and if Motability hadn’t kicked in, I’d probably still have it.

                      Sadly, Mrs B did not always share my fun and now she’s been seduced by that new car smell, I’ll have to stay in the dark side.

                      Current car: MG HS Exclusive in nice shiny black. 🙂

                      #198684
                      Glos Guy
                      Participant

                        Like several other posters, I have had a number of very nice 2nd hand cars over the years that cost virtually nothing to run. My favourite 2nd hand car was a 1989 Ford Granada Scorpio 2.9 which I kept for around 4 years, as it was so comfortable and effortless to drive, and never needed any work on it. In fact, thinking about it, I’ve had quite a few very nice cars over the years that have cost a tiny fraction of the £3,250 per year  (plus AP) that it costs to run a Motability car, and none of them would be described as ‘bangers’. This includes a 7 year old BMW 750i Sport that had been £90k new (it had virtually every conceivable option). I bought it for £9k, ran it for over a year and sold it privately for £10k. Motability may well be “worry free motoring” but only if your financial position means that you needn’t ‘worry’ about splashing out almost £10k every 3 years (or over £16k every 5 years) on top of any AP!

                        #198974
                        PaulW1960
                        Participant

                          I have just took my dad off the scheme as his named driver, he doesn’t drive and has surrendered his driving licence to the DVLA, so I bought a car…

                          > Type of vehicle. Ford EcoSport 1.0 Auto ST Line £16,500

                          > Age of vehicle. 19 Plate, just over 13,000 miles and added three year warranty with AA cover included for £599

                          > Price limit. 17,500

                          > Adaptations. £0

                          > Insurance £1130 (No, NCB, despite 4 years no claims on Motability as named driver, this insurance company don’t use Motability NCB, but were £1000 cheaper than other quotes, fully comprehensive cover

                          > Breakdown £0 AA included in warranty for three years, plus RAC cover via car insurance.

                          > Servicing  £310 next due 2024, spreading payments by DD monthly until due

                          > Passed first MOT no problems.

                        Viewing 10 replies - 26 through 35 (of 35 total)
                        • You must be logged in to reply to this topic.