[Jason23]

Hi, here is a question for the more knowledgeable posters.

I really like my current Nissan Ariya Evolve but it is really unlikely that it will ever return to the Scheme. I like to plan way in advance so I would be looking at my next order in January 2028. I know that is a long time away but as I said I need to plan for things.

I am looking at the Skoda Enyaq as my next car. I have been looking at the different (yes 29 options) spec on each car and both the SEL and Edition 85 come out around the £7779 and £8129 which is somewhere I really do not want to go.

So, would I be better off  –

A) Trying to return the Ariya early (NOW) (maybe get some AP back pro-rata?) and get a PCP/Lease deal on the Enyaq?

B) Leave the scheme in 2028 and get a PCP/Lease deal on the Enyaq?

or

C) Stay on the Scheme and save like crazy to fund the AP?

 

Thanks in advance for any help you may be able to give.

Topic

[kezo]

The Enyak SEL AP is less than a grand according to threads on the forum.

It impossible to compare future prices T&C’s etc.

[Jason23]

kezo wrote:

The Enyak SEL AP is less than a grand according to threads on the forum. It impossible to compare future prices T&C’s etc.

Yes but the version I picked and added things to came out to what I said. I get we cannot know the future but what are my options if I acted now, please?

[Jason23]

A PCH deal on the 85X looks like this –

Personal Contract Hire
Enyaq SportLine 85x
Electricity, 85x 82kWh 220kW 4×4
Retail Cash Price £49,270
35 Monthly Rentals of £406.27
Initial Rental – £4,875.26 (12 months)
Contract Duration  – 36 months
Annual Mileage – 12 ,000 miles
Excess Mileage (per mile) -11.36 p
Customer Type  – Private

plus the £680 for paint colour and £450 for the winter package is £6005 which seems a lot better than the MB price, or am I missing something?

[Jason23]

I should add that one of the main reasons for thinking of changing the car is because of my two recent heart attacks. I now find it really difficult to get my mobility scooter in and out of the boot so I would be looking at a getting a hoist for it on the next car.

[kezo]

The grey area is the hoist and wether the will allow fitment, so worth checking first.

[Jason23]

kezo wrote:

The grey area is the hoist and wether the will allow fitment, so worth checking first.

Check if the Skoda dealer would let me fit a hoist?

[shaan200]

One factor to see is that the fact a mobility scooter doesnt count for vat exemptions on cars or the AP themselves under HMRC guidance. Also, another one is if your health needs are evolving you should likely stick with MB due to the fact you can return your car due to health reasons

[Glos Guy]

@Jason23 Assuming that I understand your figures correctly;

You are saying that the AP of your chosen car, including the full cost of optional extras, will be circa £8k? As it’s a Motability car, you have to add the bigger cost, which is the benefits that you sacrifice, which adds another £13k minimum, so a total cost of £21k, or £7k pa.

The personal lease example that you give seems to be a 4 year lease (12+35) which adds up to £19.5k plus £1.1k for options = £20.6k, or £5.1k pa. The lease car (being new) would obviously include a warranty and breakdown cover, and excess mileage charges are less than Motability now charge, but you’d need to add the cost of insurance and the cost of adaptations which, unlike a Motability car, won’t be subsidised (but will be VAT free).

In truth, if it were me, I wouldn’t take either option! I wouldn’t be prepared to pay over £20k to lease a car that I will hand back after 3 or 4 years with nothing to show for it when, for less money, I could buy a very nice second hand car which, having already taken the initial depreciation hit, would cost significantly less to run and leave me with a sizeable deposit (trade in) next time. The £330 (and rising each year) extra benefit income every 4 weeks will cover unexpected costs (tyres etc) many times over.

However, if this isn’t something that you can (or would) consider, and you are set on a new car and prepared to pay the premium for one, a lot of it will depend on how much mileage you do (higher mileage customers are being driven away from Motability, as their excess mileage charges are punitive), how much the adaptations cost and what your risk appetite is.

If, once you do the maths for your personal circumstances, there isn’t a large price difference, my view would be that if Motability offer a car that you want, they will probably remain the safer bet. As @shaan200 correctly points out, they are very good at allowing early terminations if your circumstances change, which a private leasing company won’t. If the cost saving is significant then jump ship, but make sure that you look into everything thoroughly first, including the cost of insurance (high for EVs), tyre costs (heavier cars will generally consume tyres quicker) etc. My thread “We’ve left Motability – Tips for others considering leaving” has helped a number of people who are making, or considering, the transition.

[Southamman]

You also need to add tyre to your lease. Possibly greakdown cover too, plus any repairs after 36 months as you will be out of warranty at 36 months

[kezo]

Jason23 wrote:

kezo wrote:

The grey area is the hoist and wether the will allow fitment, so worth checking first.

Check if the Skoda dealer would let me fit a hoist?

Personal contract hire is still a lease deal with the option of a ballon payment to own the car. Therefore untill the untill you own it, you are still leasing and permanent fixtures bolted on the car are generally not allowed, so it is highly advisable to ask before signing along the dotted line.

The winter pack is useless, unless you really need rear heated seats on cloth seats. The app will allow defrosting of the windscreen and preconditioning.

Have you considered used?

 

[Author]

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