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those on wpms are being royally tirned over on the scheme.
their allowance is £86 per week compared to £77.05 for all other allowances.
so assuming 52 weeks in a year and 3 year lease they pay £1708.20 more over 3 years so the ap difference and the weekly difference should even itself out.
however for example the ev4 gtline is £499 on pip and £0 on wpms. the weekly amount is reduced to £83.48 on wpms saving £393.12 so 499 plus 393.12 is £892.12 so on wpms i would pay £816.08 more than someone on pip. thats wrong.
to rub salt in dealers and manufacturers offer reduced ap’s for pip etc but dont offer the same to wpms see mg’s deals at the moment, i have contacted 2 dealers so far to get the same deal and all i get is bull and radio silence.
i am going to check the other cars i am interested in but i reckon it will be similar.
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sure enough:
mini countryman monochrome
on wpms £81.46 x 52 x 3 = £12707.76.
on pip etc £77.05 x 52 x 3 = £12019.80 a difference of £687.96 reduced by any annual increases as its t/a.
citroen c3 aircross hybrid 145
on wpms ap £627 £86/wk x52x3 =13416.00+ap= £14043.00
on pip ap £1299 £77.05/wk x 52 x 3 = £13318.80.
a difference of £724.20
those on wpms are being royally tirned over on the scheme. their allowance is £86 per week compared to £77.05 for all other allowances. so assuming 52 weeks in a year and 3 year lease they pay £1708.20 more over 3 years so the ap difference and the weekly difference should even itself out. however for example the ev4 gtline is £499 on pip and £0 on wpms. the weekly amount is reduced to £83.48 on wpms saving £393.12 so 499 plus 393.12 is £892.12 so on wpms i would pay £816.08 more than someone on pip. thats wrong. to rub salt in dealers and manufacturers offer reduced ap’s for pip etc but dont offer the same to wpms see mg’s deals at the moment, i have contacted 2 dealers so far to get the same deal and all i get is bull and radio silence. i am going to check the other cars i am interested in but i reckon it will be similar.
Re the EV4 GT Line the difference is because the WPMS weekly amount £84.83 is fixed for the duration of the lease (i.e. won’t go up every April), hence you will trouser any increases for 3 years. Whereas Motability will grab the annual increase on all other benefits/allowances.
As Motability do not know by how much the benefits/allowances rise every year, they take an average amount based on future predicted inflation to set the price and work it back from there. If CPI inflation is more than planned you will be even better off compared to other the allowances.
Overall, there has been the occasional cock up in the differential pricing, but generally it gets sorted.
PIP rate will see a 3.8% increase for 2026/27, making it £80 per week. Assuming you collect your car on April 6th (for simplicity) and PIP see’s a similar 3.8% increase in 2027/28 & 2028/29, the EV4 for PIP users will cost as follows:
2026/27 – 80 x 52 = £4160
2027/28 – 83.04 x 52 =£4318
2028/29 – 86.19 x 52 = £4482
PIP Sacrified benefits £12960 + £327 AP = £13287
WPMS sacrified benefits £84.83 (fixed) x 156 + £0 AP = £13233.48
As @BigDave said any uplift in WPMS will be yours to keep in your pocket, where as any uplift in PIP will go straight to Motability and PIP users will loose even more if the uplift is greater the 3.8% in years 2 and 3, so the EV4 is a good deal for you being a WPMS customer.
Assuming WPMS see’s the same 3.8% uplift per year, you will save (pocket) as follows:
2026/27 – £1.17 p/w or £60.84 per year (£86 p/w WPMS)
2027/28 – £4.38 p/w or £230.77 per year (89.28 p/w WPMS)
2028/29 – £7.82 p/w or £406.64 per year (£96.65 p/w WPMS)
On top of the numbers @kezo posted, I think your AP could also play a part.
I was looking on the PC for suggestions for you, so was looking at rates and APs for WPMS then, a few days later I was looking for myself but forgot my last search was different. I couldn’t believe that APs had dropped by around £1,400-1,500 on the higher APs, for example the EV5 GT Line S should have been £6,999 but was around the £5,500 mark. When you take into account the non-inflationary factor in your payments, I think the opening statement doesn’t always run true. Admittedly, so see the benefit, you’d need to be willing to spend a few thousand every 3 years, which I fully acknowledge isn’t everyone’s idea of sensible or affordable.
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
To be fair, when I ordered my new MG HS Hybrid in December, the dealers had an offer of £499 off all Motability orders and gave me £200 off a WPMS order which I felt was fair enough.
When the prices for Q1 came out, and the price had fallen to £47, they matched that price and have repaid the balance of the deposit I paid.
Current car: MG HS Exclusive in nice shiny black. 🙂
@DougieB, itsthe mg offer that got me started the chesterfield dealership have refused to give anything off for wpms but the sheffield one has said they will match it even if it means cashback chesterfield were very wishy washy and refused to confirm any sort of deal unless i was there to sign a deal.
as it happens the deal is for delivery by 31 march so i miss out as my renewal is 28 feb for 30 may handover.
mark, yes where the ap is over 2k for pip its easy and is pretty good a difference of 1708.20. they do that qite well,if the pip ap is below 1k its not so clear cut. they do seem to be quite generous with their estimate of pip increases and i wonder how close they actually are.
i am not going to lose too much sleep over it as i said it was chesterfields refusal to offer anything concrete that annoyed more than anything.
anyway its probably going to be the ev4 now anyway and theres no ap to worry about lol.
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