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With the way the price lists are heading I think I’ll be keeping my car for the whole 5 years thousands of pounds for a vehicle which most of them are quite basic really is crazy how do they expect people to come up with four figures when 80% of motability customers can’t work and have no savings myself included if it wasn’t for the grants team I’d be stuck back when I ordered in 2024 I needed a suv for my needs and the cheapest was £1499 otherwise I would’ve had to have a fiesta or something similiar due to my budget not sure what I’m gonna do in 2027 when it’s due for renewal
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@Falcon1 if you done over 20k a year chances are it would need servicing or would you skip that? Plus when you hand it back then the garage are going to note the returning mileage.
I think it is 20K for the duration of the contract with Motability and not 20K pa.
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Apologies for briefness and spelling mistakes.Motability Skoda Enyaq SportLine 85x April 2024 (unhappy customer - Ombudsman pending)
Motability Mazda CX-60 PHEV July 2023 (unhappy customer - early termination on mechanical grounds)
Motability VW Touran Family Pack May 2019 (happy customer)@kdwolf mileage allowance is 20k per year
Two issues are being muddled here. The maximum mileage allowed for a lease is 20k a year, but the maximum mileage allowed for an extension beyond 3 years was 20k total over the 3 years, although it sounds as though that option is no longer valid as no extensions are now allowed other than WAVs.
I fear, the FOS has sided favourably with Motability here! The likelyhood of a disabled customer challenging the ruling, is for obvious reasons unlikely to happen. The contract wording, was changed c. late July early August 2025 and new leases after this date, all reference to extensions was removed, possibley due to FSO advisement? However, no matter how we look at it, its a poor show on Motability’s behalf! Simple “advisements” pointing towards the hire term “could be extended for a further two years in this case, its advisable businesses amend the contract to reflect the said changes and get both parties to agree. Motability in this case didn’t even have the common coutesy to ping a message or email to its customers advising of the changes and what to do if you didn’t agree, rather Motablity just placed a notice on their website, that not everyone looks at, nor did they advise what to do, if you didn’t agree with the new terms. Without looking at the ruling till later, was it the case Motability ended the agreement because, the customer wished for that out come or was it because, the customer had the audacity to complan to the FSO? Not, as any of this affects me, as it’s doubtful , I’ll see my current lease out. Thanks @BigDave
I fear, the FOS would appear to have sided favourably with Motability
Yes, appears the FOS have sided with Motability in not upholding the customer’s complaint.
The contract wording, was changed c. late July early August 2025 and new leases after this date, all reference to extensions was removed, possibly due to FSO advisement?
The contact wording change was possibly as a result of the FOS ruling (which was actually adjudicated on 22nd July 25 but only just published) to provide a further degree of clarity to the situation and potentially with a view to the future changes from 16th December albeit the FOS have ruled the original contract was in effect valid.
Motability in this case didn’t even have the common courtesy to ping a message or email to its customers advising of the changes and what to do if you didn’t agree, rather Motablity just placed a notice on their website, that not everyone looks at, nor did they advise what to do, if you didn’t agree with the new terms.
The judgement deems that the actual contract had not changed – it always was and still is for only for 36 months. Anything on top of that was/is at Motability’s discretion. The wording change seemingly only affects something that was discretionary (extensions), not contractual. Therefore there would be no need to inform customers legally although I personally think ‘customer service’ may have been enhanced.
Without looking at the ruling till later, was it the case Motability ended the agreement because, the customer wished for that out come or was it because, the customer had the audacity to complain to the FSO?
It doesn’t say in the FOS published case.
In the case of the fellow veteran who approached me in my ex-froces welfare role, he wanted to extend his contact which was not permitted by Motability. He did want to carry on as a Motability customer though. He was given a discretionary short term extension (3 months) whilst he found a new vehicle on the scheme. This was without prejudice to his then ongoing FOS complaint.
Albeit if the FOS had sided with him, I am not sure how the situation could have been unwound, other than by award of some financial recompense.
Overall I am not entirely sure of the objectivity of the FOS. Of the 41 FOS Motability decisions published since 1st Jan 25, only 3 cases have been awarded in favour of the complainant (and one of those was only partially), with 38 cases found in favour of Motability.
Albeit to be fair, some of the cases taken to the FOS against Motability might be seen as somewhat vexatious For example: https://www.financial-ombudsman.org.uk/decision/DRN-5689170.pdfa
Thanks @BigDave
My contract also states the extra 24 months, BUT relates to the T’s and C’s; which at 11.3 states “At any time after the end of the Minimum Hire Term, we may terminate this Agreement by giving you not less than 14 days’ written notice.”
My contract also allows for 20,000 miles per annum, including each of the additional 2 years (if applicable).The prices are eye watering now.
Car I wanted to order is now got a AP of £7999 which is ridiculous. If it wasn’t for free insurance and tyres I’d likely just keep my benefit and go on a PCP deal. With that deposit a monthly payment wouldn’t be far off
The prices are eye watering now. Car I wanted to order is now got a AP of £7999 which is ridiculous. If it wasn’t for free insurance and tyres I’d likely just keep my benefit and go on a PCP deal. With that deposit a monthly payment wouldn’t be far off
Think positive: at least you can afford £7,999. Many people on this forum cannot.
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Apologies for briefness and spelling mistakes.Motability Skoda Enyaq SportLine 85x April 2024 (unhappy customer - Ombudsman pending)
Motability Mazda CX-60 PHEV July 2023 (unhappy customer - early termination on mechanical grounds)
Motability VW Touran Family Pack May 2019 (happy customer)Think positive: at least you can afford £7,999. Many people on this forum cannot.
I never once said or suggested I could afford it. You’ve jumped in two footed there.
The point I was making however is those that can afford to pay £7999 for an AP would be as well looking for cars outwith the scheme on PCP because for that deposit they could get very good cars for the same price of their mobility benefit. Only free road tax, tyres and insurance would be the only benefit.
Again, just to clarify, £7999 for a AP is obscene.
For those of us who are working in a suitably well paid position, the Salary Sacrifice schemes available are offering much more attractive vehicles for great prices. They have Jaecoo 7s available for £222.60 with less up front than the AP and that’s for business mileage. I’m pretty sure a fully looked after lease wouldn’t be too far from Motability prices.
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
Is she not looking at the Salary Sacrifice Scheme we are all paying for her incompetence.
Unfortunately I have suffered a brain injury and occasionally I get confused and often say the wrong thing.
well i may just about get a new lease next may depending on the ap’s next quarter i can order on 28 feb so long as she doesnt do away with the vat exemption there are 5 or cars under 600 on wpms that will work. having lost the veterans auto grant it means it will be tight for those nearer 600 but i assume if i sign on the 28th feb its fixed for 28 may?? or could the ap change if she makes a change before then??? i assume any change would be effective beginning of tax year? after that i will be looking for a 2nd hand car. hopefully by then historical debts will be gone and i will be solvent again lol.
Is she not looking at the Salary Sacrifice Scheme we are all paying for her incompetence.
Salary Sacrifice does not contain the word Benefit though 😉
2024 - BMW i4 Grand Coupe eDrive 35 Sport
2020 - Volvo XC40 T4 Inscription
2017 - Audi Q3 TFSi Sport S-TronicIs she not looking at the Salary Sacrifice Scheme we are all paying for her incompetence.
Salary Sacrifice does not contain the word Benefit though 😉
If you are in full time employment as a disabled person, or have a disabled partner /children you are still entitled to the Mobility component of PIP.
Unfortunately I have suffered a brain injury and occasionally I get confused and often say the wrong thing.
Would a hoist be classed as a substantial modification.
Unfortunately I have suffered a brain injury and occasionally I get confused and often say the wrong thing.
Would a hoist be classed as a substantial modification.
For what purpose VAT exempt, then no?
Would a hoist be classed as a substantial modification.
We have a person hoist as my wife is a full time wheelchair user. I have had it clarified by HMRC that if we buy a new car privately we can get VAT deducted off the purchase price (inc all optional extras) plus VAT off all servicing and maintenance costs for as long as we own the vehicle. I think that you have to be both a full time wheelchair user and have a substantial and permanent modification, so she qualifies on both counts. HMRC guidance isn’t brilliant, but they are very helpful if you speak to them. You have to call their charities helpline on 0300 123 1073 (0900-1800 Mon-Fri)
Ive looked at my salary sacrifice scheme which is through Tusker.
20,000 miles a year limit to compare it with motability. benefits of the salary sacrifice include
- All servicing and maintenance
- Fully comprehensive motor insurance just for the driver
- Annual road fund licence
- Replacement tyres (excl. winter tyres)
- Accident Management
- Roadside Assistance Including European Cover
- Lifestyle Protection (whatever that is!)
I priced up the enyaq 85 edition
Motability price it at 3499 ap with free metallic paint and then total allowance and then £12091 pip payments over 36 months. The total cost of lease being £15590
On my salary sacrifice scheme, it’s a zero deposit but have to pay for metallic paint. Thats included in the total cost breakdown and paid for through monthly payment totals.
Monthly amount: £923
Monthly gross reduction: £923
Income Tax saving: -£369
National Insurance saving: -£18
Benefit in Kind: +£45
Effect on take home pay: £580So thats a cost to me at £580 a month for year 1, rising to £595 a month in Y2 and then rising to £610 a month year 3. These costs would be different depending on salary (I am a 40% tax payer so my tax relief is higher). Yearly increases because of changes each year for “Benefit in Kind”. That makes a total comparative lease price for 3 years at £21420.
Motability wins by a country mile at almost £6k less than salary sacrifice.
2024 Skoda Enyaq estate- 85x Sportline plus in Race Blue. Extras: Supernova 21 inch wheels, Maxx Pack, Transport Pack, Heat Pump and Pano Sunroof.
Ordered 31/10/23, Delivery 27/3/24Ive also just looked at a random other car- a Renault 5 evolution. It would be bonkers to take motability with that with access to salary sacrifice as its almost £2500 less to take salary sacrifice for the lease term with no deposit compared to total pip payments and a £4295 AP for motability…… In this scenario, motability is expensive!
2024 Skoda Enyaq estate- 85x Sportline plus in Race Blue. Extras: Supernova 21 inch wheels, Maxx Pack, Transport Pack, Heat Pump and Pano Sunroof.
Ordered 31/10/23, Delivery 27/3/24Motability wins by a country mile at almost £6k less than salary sacrifice.
Now add possible VAT to the Motability car, as per the other thread and the difference isn’t so great, but we’ll have to see what Rach from accounts decides come budget day.
absolutely- motability will no longer be worthwhile for those in employment on PIP and have a salary sacrifice scheme and for those not in employment, they will be placed in an impossible position in either paying over the odds or trying to find something else that replaces motability for them
2024 Skoda Enyaq estate- 85x Sportline plus in Race Blue. Extras: Supernova 21 inch wheels, Maxx Pack, Transport Pack, Heat Pump and Pano Sunroof.
Ordered 31/10/23, Delivery 27/3/24Motability wins by a country mile at almost £6k less than salary sacrifice.
Now add possible VAT to the Motability car, as per the other thread and the difference isn’t so great, but we’ll have to see what Rach from accounts decides come budget day.
Exactly. Plus how many people need the facility to do 20,000 miles a year? Very few Motability customers judging by the mileages quoted on this forum! If the VAT exemption goes and a more realistic mileage is quoted, the gap will close considerably.
Although I’m retired, so don’t have access to any salary sacrifice schemes, if the VAT relief goes on Motability cars it wouldn’t make sense for me either. I wouldn’t be leasing, as I’d buy outright, so the costs are much lower again, and with none of the restrictions of a lease. I can’t help but feel that it will be quite liberating to look at cars that I’d really love, not just cars that I’m ‘allowed’ by Motability!
Motability wins by a country mile at almost £6k less than salary sacrifice.
Now add possible VAT to the Motability car, as per the other thread and the difference isn’t so great, but we’ll have to see what Rach from accounts decides come budget day.
Exactly. Plus how many people need the facility to do 20,000 miles a year? Very few Motability customers judging by the mileages quoted on this forum! If the VAT exemption goes and a more realistic mileage is quoted, the gap will close considerably. Although I’m retired, so don’t have access to any salary sacrifice schemes, if the VAT relief goes on Motability cars it wouldn’t make sense for me either. I wouldn’t be leasing, as I’d buy outright, so the costs are much lower again, and with none of the restrictions of a lease. I can’t help but feel that it will be quite liberating to look at cars that I’d really love, not just cars that I’m ‘allowed’ by Motability!
Mistake in posting
Unfortunately I have suffered a brain injury and occasionally I get confused and often say the wrong thing.
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