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Go look at buying or leasing those cars privately, remembering to include insurance, servicing, tyres etc and then having to worry about being charged £’s for every scratch or stone chip or interior damage (from wheelchairs?) then decide if it’s worth it.
When I first looked at the scheme I was looking for an electric SUV height car. My options were somewhat limited to the Ariya at £9,450 or a hard to get Kona at £3k something. To think of the massive choice I can have with change from £3,000 it’s improved massively.
I understand that there’s a lot of petrol and diesel cars that were available for less than a grand for the highest model available which are now mid level models for thousands and that if you are looking for a specific car you might need deep pockets. However, try getting the same lease privately and see how much a month you’re paying for 20,000 miles a year.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.Mark
Because some people are loaded and have a lot of disposable income. There are still cars on the scheme with no AP or a very reasonable AP. We can’t (all) expect to be driving around in fifty and sixty grand cars…
How can mobility be charging up to 8k for a car that you lease for 3 years? Then you lose out on the money you put down as you’d not even get half back? I’m due to order in April, how can I even prepare when most of the cars I’ve looked at have gone up massively.
Don’t forget the £12k sacrificed benefits as well, so that £8k AP car is actually costing you £20k with nothing to show at the end of it! You don’t get any of it back, let alone half!
That being said, for those who want an EV and insist on a brand new one, the scheme is still the way to go. Private buyers aren’t touching them due to high up front costs, crippling depreciation, high insurance costs and charger installation costs (and that’s even if they could charge at home)! As a Motability customer you are shielded from all of this. If, however, you are happy with a nearly new one it’s a slightly different story.
For petrol and diesel cars it’s less of a no brainer to lease through the scheme, especially if you have the funds to buy rather than lease and don’t feel the need to have a brand new car (which, after all, doesn’t remain brand new for long)! The 20,000 miles limit is a red herring IMO. How many Motability customers do that sort of mileage? A tiny proportion I would suggest, judging by the sort of mileages that many contributors to this forum mention at lease end.
We currently have a PHEV through the scheme. If I can persuade myself to get an EV next time I’d get one through the scheme. If I decide to revert to an ICE car, I think I’d buy one privately, probably a car at around 3 years old that would be far better than anything I could get through the scheme. From past experience, that would be a better cost option, but I appreciate that not everyone can do that and sadly, the way the scheme is now, that means compromises have to be made.
Why would I go lease privately I mean this is the whole point of mobility to provide to the disabled… private leasing or pcp is nothing to do with this, this is a charity at the end of the day and charging that amount to a disabled person is just ridiculous
Three years ago when you ordered your Kona, there were vehicles with high advance payments. Sadly, this is not a new development.
Why would I go lease privately I mean this is the whole point of mobility to provide to the disabled… private leasing or pcp is nothing to do with this, this is a charity at the end of the day and charging that amount to a disabled person is just ridiculous
The issue is the price of new cars compared to how much our allowance is, over 3 years, has risen and the gap grows year on year. So they have had no option but to increase the max Ap allowed to 8k.
Motability is a scheme run by a private company called Motability Operations Ltd. Grants and help are offered by the charity Motability the two are not the same.
I recently came back to the scheme after leaving it a few years ago, after Using it for 11 years.
The amount you pay is the difference in what the Advance payment is and the allowance towards any car.
EX30 SMER Ultra
Why would I go lease privately I mean this is the whole point of mobility to provide to the disabled… private leasing or pcp is nothing to do with this, this is a charity at the end of the day and charging that amount to a disabled person is just ridiculous
It’s not about actually leasing privately but looking at the real world prices. I’ve seen ads for some cars on the scheme where the monthly payments were double the PIP award and that was 12k miles and didn’t have the full cover for repairs and breakdown that we get.
Whilst there is a Charitable component to Motability’s group, you lease a car from a profitable company who made a substantial loss last year. Unfortunately, we aren’t going to be given nice cars at a loss mostly because they want to continue for a long time to come. All profits go to the charity and a lot of that comes back to those of us facing the hardest struggles in the form of grants to cover the AP and adaptations.
The reality is, though, there are cars that meet most people’s requirements for nil AP. If you can work then you may have the opportunity to save for a substantial AP and, therefore, can get something more expensive.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.Mark
It’s worth keeping in mind that the vast majority of the ‘loss’ was an accounting adjustment based on a fleet wide revaluation (due to the reversal of the abnormally high residual values of used cars that occurred during, and for some time after, Covid) and not an operating loss. You only need to look at the bonuses that were still paid out to see that this wasn’t deemed to be an issue!
becase of the push towards electric etc m choices have reduced simply because there are less and less petrol cars being made so i need full hybrid or petrol plug in anything just will not work until either they build me a driveway or build a bunch of rapid chargers around here.
i need a car i can get in and out of and sit in it comfortably so probably means an suv. financially i will be able to get about 1k together between the gcb and veterans auto grant plus maybe 500 of my own so max £1500. for an ap.
that gives a reasonable choice allbeit half of what was available years ago.
renault symbioz £0-£1242.00 i am on wpms dont forget.
hyundai kona £146-2246.
nissan juke £165-796.
nissan quashqai £296-2146.
mg zs £365
kia niro £596-2446
ford kuga £642-2642
nissan xtrail £646-2646.
there are others but i have tried them and they dont work for me or are too expensive.
pretty much all the above will work its jst finding the best fit at the best price. at the moment the juke teckna at £796 is up there. but the symbioz at 0ap will be worth a sit and test drive.
Why would I go lease privately I mean this is the whole point of mobility to provide to the disabled… private leasing or pcp is nothing to do with this, this is a charity at the end of the day and charging that amount to a disabled person is just ridiculous
I’m not sure what point you’re trying to make… it sounds like your bitter because you want the £8k car for £0
Why don’t you tell us some of the cars you’ve already looked at and why you think you need it 🤔
Why would I go lease privately I mean this is the whole point of mobility to provide to the disabled… private leasing or pcp is nothing to do with this, this is a charity at the end of the day and charging that amount to a disabled person is just ridiculous
This is the kind of statement that fuels resentment on forums such as the recent one on YouTube
Motability is here to provide people with disabilities care free driving. It requires no credit checking or high interest loans. On a like for like comparison there is no cheaper method of leasing a car that provides a return on your investment. A PCP deal on the 9k car will require much higher payments without the other list of benefits.
Prices have gone up but they have everywhere. I was helping my daughter find a car last week as she had just returned after living abroad. I was amazed by the increase in costs since I bought a car 5 years ago especially the increase in insurance.
As others have said, there are plenty of cars to fit everyone’s budget. We may want better but that’s life.Why would I go lease privately I mean this is the whole point of mobility to provide to the disabled… private leasing or pcp is nothing to do with this, this is a charity at the end of the day and charging that amount to a disabled person is just ridiculous
The electric Kona that you’ve had for the past 3-years still has 11 trims on the scheme & starts from £999 AP up to £2,999 for the top spec model.
I doubt very few people on here pay anywhere near £8K AP for a scheme vehicle. I mean… I’d love to spend a fortnight in The Seychelles this Summer on a luxury holiday of sea, sun and sand. Alas, my budget means in reality, it’s going to be one of the Greek or Spanish islands. Life is what it is…
We’ve come a long way since the days of the ice blue invacar, single occupancy, motorised tricycles!
We’ve come a long way since the days of the ice blue invacar, single occupancy, motorised tricycles!
Indeed, but we’ve also come a long way from when there were well over 5,000 cars available through the scheme!
We’ve come a long way since the days of the ice blue invacar, single occupancy, motorised tricycles!
Indeed, but we’ve also come a long way from when there were well over 5,000 cars available through the scheme!
We all know why those numbers were culled. Could you imagine the effects of the post Covid market on those numbers?
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.Mark
We’ve come a long way since the days of the ice blue invacar, single occupancy, motorised tricycles!
Indeed, but we’ve also come a long way from when there were well over 5,000 cars available through the scheme!
We all know why those numbers were culled. Could you imagine the effects of the post Covid market on those numbers?
For the benefit of those who don’t know, Covid wasn’t the cause. It all started when the Daily Mail ran a front page article written by Richard Littlejohn, along the lines of disabled drivers getting ‘free luxury cars at the taxpayers expense’. Rather than defend the scheme and explain that high end cars carried very high APs, plus the sacrificed benefits (you could even get a Range Rover Sport, albeit at around £15k AP), Motability rolled over and started to cull the choice – drastically. From memory, the choice was reduced by around 3,500 even before anybody knew what on earth Covid was!
There seems to be no logic to the prices. Trying to second guess is a fool’s game, if you see a car you like and can afford, order it, don’t risk waiting for the next quarter price list.
As for the number of cars available, I think it is a shame the numbers have gone down, always good to have a choice.
Skoda Enyaq Race Blue
There seems to be no logic to the prices. Trying to second guess is a fool’s game, if you see a car you like and can afford, order it, don’t risk waiting for the next quarter price list. As for the number of cars available, I think it is a shame the numbers have gone down, always good to have a choice.
Sage words. Too many times I’ve tried to work out why X cost more than Y on the scheme when Y has a lower retail price. It’s all down to a combination of discount given by the manufacturer, service and predictive repair costs, predicted final values and insurance costs. Anyone outside of Motability or the leasing industry will have no chance of working out the magic formula.
I now just look for cars that have the features we need, look at the AP and list or don’t list it.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.Mark
How can mobility be charging up to 8k for a car that you lease for 3 years? Then you lose out on the money you put down as you’d not even get half back? I’m due to order in April, how can I even prepare when most of the cars I’ve looked at have gone up massively.
At the end of the day no one is forcing you to pay £8,000, plenty of more affordable vehicles.
Unfortunately I have suffered a brain injury and occasionally say the wrong thing.
Actually OP is right. AP seems completely random in some most cases:
Peugeot 308 Estate EV
AP: 7,999 Cash price: 39k (32.5k + VAT)
BMW i4
AP: 7,999 Cash price: 52k (43.3k + VAT)
https://www.motability.co.uk/find-a-vehicle/cars/search-results/bmw-i4/
Smart #3
AP: 6,295 Cash price: 34k (28.3k + VAT)
Cupra Tavascan
AP: 6,495 Cash price: 47k (39.2k + VAT)
BUT this dealer offer 4,800 off!
https://www.monmotors.com/offers/cupra-tavascan-motability/
Omoda 5
AP: 4,845 Cash price: 33k (27.5k+VAT)
Octopus EV Leasing:
To me AP seems completely arbitrary especially once VAT exemption and 10-20% fleet discount factored in.
There is method in what appears to be the madness of these APs.
The AP is essentially the additional cost over and above the sacrificed benefits over 3 years (£12k in the case of PIP). The additional cost will vary wildly by car depending on 2 major factors – the price that Motability pay for the car and the predicted residual value at the end of the lease.
Even prior to the arrival of EVs, Motability would have been able to negotiate discounts of up to one third on some cars from some manufacturers. ICE car discounts will be lower now, but EV discounts could well be of that magnitude. Looking at brokerage sites, private individuals can still get discounts of up to 20% on factory order cars – and that’s for one car. Motability will clearly get more. Discounts will vary hugely by manufacturer and even cars within the same manufacturer, so comparing APs against retail price is meaningless.
Secondly, depreciation varies wildly by car. To take the examples above, a BMW will retain a far greater proportion of its value than a Peugeot, hence why a more expensive BMW can be had for the same price as a much cheaper Peugeot.
So to get to an AP, all of these factors and others are taken into account. They might seem odd to us, but there is logic behind them!
I did at some stage write the formula for the AP.
Effectively, depreciation + running costs + GCB + mark up – income = AP
The interesting part is the discount given will reduce depreciation as a 3 year old, say, Ford Kuga will be the same (given mileage, condition, etc.) whether the lease company was Motability or any of the many others. Thus if Motability negotiate 20% discount, whilst the others would get 10% and there’s the whole VAT exemption, then Motability lose a lot less after the 3 years and benefits from the reputation of fully serviced ‘all repairs done’ that they’ve gained over the years.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.Mark
We have our own formula
(a) How much do you like it and want it,
(b) How much are you willing to pay,
(c) Can I afford it
(d) And the biggy what does the wife say (it overrules all of the above)
Our last car Suzuki Across PHEV £6,999 did we pay too much of course we did, the sensible thing to do was extend our existing Mitsubishi Outlander PHEV lease, but I just wanted one shame the AP dropped nearly £2,000 afterwards, that life.
Our next car will I pay over the odds for the car I want, at the moment I say no, however when the time comes let’s see.
Unfortunately I have suffered a brain injury and occasionally say the wrong thing.
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