[Jojoe]

PIP & DLA going up by 10.1%. What will happen with Motability?

 

A) Advance payments will fall.

B) Another bonus payment for customers.

C) Pay rises for Motability staff.

Topic

[J]

I totally agree and wrote to them to say the scheme is not fit for purpose for those requiring accommodation of a wheelchair or needing hand controls and a hoist- and was told apply for a grant . I want to know if I can keep my adaptations to fit to a new vehicle? Or can I get a loan to buy the vehicle off Motability?

[Jojoe]

J wrote:

I totally agree and wrote to them to say the scheme is not fit for purpose for those requiring accommodation of a wheelchair or needing hand controls and a hoist- and was told apply for a grant . I want to know if I can keep my adaptations to fit to a new vehicle? Or can I get a loan to buy the vehicle off Motability?

I’ve said it many times on here, Motability are defending themselves from accusations of excessively high AP’s by saying the customer can apply for a grant. But not everyone is entitled to a grant, which is why we’ve made the decision to leave the scheme after 30 years. We’ve had enough of funding their excessive profits.

[Simon]

I’m new to the motability scheme and I’m still undecided as to weather or not I should sign up to a car or not.

It’s interesting following these threads, and as I see it currently. If you have good credit then there is no point engaging in the scheme whatsoever. If however you have poor credit, then it’s winner winner. But you have to take advantage of the lead times and go for the highest specification car you can afford. Eg: A Fiesta ST Line X with a AP of £445 (£12.36) will cost exactly the same total allowance as a Mini Copper JCW with a AP of £3000 (£86/month)

Fiesta OTR £26.170 vs Mini OTR £34.115

There’s also a huge difference in running costs. Insurance, tyres, servicing, they will all be higher with the Mini (or higher specification car) and thats all free. Could go through a front set of tryes in 6 months (lol)

I think it’s about perspective and everyone is out to make money. Charity or no charity. Anyway it’s not like PIP isn’t free is it. I’ve got poor credit and was homeless for 3 years. The thought of driving around in a new car for me is something I never thought would ever be possible.

That’s my two pence worth anyway.

[kezo]

Simon wrote:

I’m new to the motability scheme and I’m still undecided as to weather or not I should sign up to a car or not. It’s interesting following these threads, and as I see it currently. If you have good credit then there is no point engaging in the scheme whatsoever. If however you have poor credit, then it’s winner winner. But you have to take advantage of the lead times and go for the highest specification car you can afford. Eg: A Fiesta ST Line X with a AP of £445 (£12.36) will cost exactly the same total allowance as a Mini Copper JCW with a AP of £3000 (£86/month)

If your have good credit rating it just means your options are more flexible on joining, not joining, or leaving the scheme. If you have a bad credit rating your options are more limited, to either join the scheme or buy a banger.

Some including myself are finding it increasingly more difficult to find a vehicle on the scheme that suits there needs or wants. This is one of the reasons some are leaving the scheme.

As an example you hand over your £11,076 from your PIP/DLA award based on Aprils rise , plus pay an X amount AP. If you only want a basic car the cheapest Dacia Sandero £12,995, plus 3yrs insurance, a set of tyres and a service, making the total outlay around £1400ish. At the end of 3yrs at taking into account the worst depreciation  you would get back around £6000 to put towards another, but you need a fair/good credit rating

If you want something like VW id5 £50,000 will cost you about 18K in total for a 3yr lease on the scheme. Even if you have a good credit rating its still feasable to lease it off Motability if wanted….

 

 

[Author]

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