gilders

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Viewing 25 replies - 1 through 25 (of 47 total)
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  • in reply to: Adaptive Cruise Control? #108507
    gilders
    Participant

    The only scenario where it would be an issue at roundabouts is if you don’t want to slow down for a roundabout, i.e. to slow down a car using ACC you put your foot on the break.

    If you didn’t have ACC and didn’t slow down for roundabouts, it would be just as lethal.

    in reply to: Adaptive Cruise Control? #108506
    gilders
    Participant

    I would never have a car without it (for motorway and long A roads, e.g. A1).

    I find it extremely convenient, but the reason it’s a must for me is it’s safety feature. For example, if you are about to overtake a vehicle on a duel carriageway/motorway you will check your wing mirror and glance over your shoulder. If the car in front suddenly brakes, you will not see it, but your ACC will, stopping you.

    I’m sure there is scenarios where ACC may be detrimental to safety, but think these will be far less frequent than the benefits it brings.

    in reply to: Buying after 3 years #69679
    gilders
    Participant

    Hi Abi,

    RSA are Royal and Sun Alliance. They provide insurance for Motability. You may be more aware of their other brands, such as More Th>n.

    in reply to: Good Condition Bonus #68828
    gilders
    Participant

    I’m not 100% on PiPs rules but I’m sure I’ve read somewhere here you depending on when you joined the scheme, there is a transitioning period and payments available, and in the event of it being earlier than the 3 years in most cases Motability usually work payments out on a pro rata basis, but I would advise to check with motability on that to be sure.

    Transitional support package only available for those moving off DLA and not being eligible for PIP. I.e. not for people who stop receiving PIP. You will not receive Good Condition Bonus, but will receive pro rata refund on Advance Payment.

    With the transitional support package I could have kept my car a few months longer (in lieu of £1,500 support payment) which would have meant I’d had the car for just over 3 years, yet I still would not be eligible for Good Condition bonus.

    in reply to: Crappy Tail Pipes #66221
    gilders
    Participant

    Thanks for the replies. I think I’ll order some!

    in reply to: Crappy Tail Pipes #66168
    gilders
    Participant

    Sorry to drag up an old thread, but just wanted to know if any of the people who fitted these are still happy with them? (Not rusted/lost colour or come loose)

    in reply to: Buying after 3 years #65266
    gilders
    Participant

    From what I understand, insurance companies don’t ask for proof of various things when you purchase the policy. They’re on to a no-loss situation because if you subsequently make a claim and don’t have proof, they still keep your initial payment, but won’t pay out.

    Prior to being a Motability customer, I had insurance in my own name for over 10 years without making a claim. I was only asked for proof of No Claims twice. But I’m sure if I’d of made a claim, they would be asking for proof.

    in reply to: Buying after 3 years #65256
    gilders
    Participant

    Thanks Chris. I got a quote from Autonet which wasn’t too bad, £600.

    I did a comparison an Confused.com and when I entered details as though I still had my No Claims, the best price was £381 from LV. So I’m really pleased you’ve replied as at least I now know that my best price quote which is from LV, accept Motability/RSA proof.

    in reply to: Buying after 3 years #65249
    gilders
    Participant

    Hi Rapster. There is no mention of a £250 return to dealer payment on the paperwork Motability sent me. I’ve been on the scheme for over 12 years and had the good condition bonus (now £500) each time, but have never heard of the return to dealer payment. Could you post a link to some details of this payment so that I can see if I am entitled to it?

    in reply to: Buying after 3 years #65179
    gilders
    Participant

    Hi Rapster. You’re correct in the fact that waiting until May, rather than January, gives me a an extra few months to save, but there is the following financial benefits of waiting until May –

    4 months insurance (worth about £200)

    M.O.T. (worth about £40) Plus the cost of any repairs to get it through £??

    Any replacement tyres, wiper blades, etc £??

    The revised option to buy price in May £??

    It also gives me a few months to decide what to do. For example I’ve been offered a brand new SEAT Leon FR DSG (pretty much the equivalent of my current Golf, minus adaptive cruise control), for £18,604. A brand new car for £3,754 more than a 3 year old one, just out of warranty, is very tempting.

    So long as nothing expensive occurs at the M.O.T., taking £2,000 in January, probably would be best choice.

    You’re also correct in stating, in regard to the transitional payment, that Motability didn’t have to give us anything and I am grateful for that package. It’s just that by forfeiting £1,500  for an extra 4 months, it feels like it’s costing me more per month (£325) compared to a “regular” customer (£259), I’ll have had the car for over 3 years and yet I don’t get the good condition bonus (now £500, I believe). If I’d had the car for less than 3 years, even just a day, then I’d not expect the good condition bonus.

    in reply to: Mercedes half price advance payment #65146
    gilders
    Participant

    Excellent spot!

    I’d be surprised if it really included all. The Vito 8 seaters are up to £11,946 AP.

    The B-Class are £3,299, so that would be a great saving.

    in reply to: Buying after 3 years #65097
    gilders
    Participant

    I have lost my entitlement to Motability after being transferred from DLA to PIP. Motability have offered my car to be purchased for £14,850. It’s a VW Golf GT 150 ACT DSG on a 16 plate, with a little over 20,000 mileage. The cheapest price I could find for my model car (same age) on Autotrader is £16,000. So in my case, Motability have offered me the car at a good price. Knowing the full history of the car also adds a lot of value.

    The only thing I’m unhappy about (as well as losing my Motability entitlement) is the fact that I will have had the car for just over 3 years, kept it in perfect condition, but I’m not entitled to the £500 good condition bonus.

    I now need to make the decision whether to buy the car in January with £2,000 transitional payment deducted, or wait until May and get £500 transitional payment deducted. Or look for another vehicle.

    in reply to: How much does a dealer make on a Motability Car? #62318
    gilders
    Participant

    I was told that the only reason my discount on AP was authorised, was because it counts towards sales. Sales means that the dealer can get larger discounts direct from manufacturer for actual sales.

    I don’t know the actual discount amount, but discounts can be huge. We had a local, family run, Vauxhall dealership where my dad worked. They didn’t sell as many new cars as the big chains. The discounts were so large for the bulk buying chains that it actually worked out cheaper to buy from them to sell on as new than buying direct from the manufacturer. How can a family run franchise compete with the large chains like Stoneace? Simple, they can’t and the local dealership had to close, making my dad redundant.

    in reply to: Car return #61599
    gilders
    Participant

    Hi Chris,

    Thanks for the input. I’m quite pleased to hear that Motability offered you a reasonable price for the car, I had been reading the complete opposite.

    I’m also glad to hear that it is rare that an award is reduced. This is my main worry. After only receiving 4 points for mobility, I have nothing to lose in an appeal, but my care as gone from low on DLA to high on PIP. Financially, if I wasn’t already a Motability customer, the amount of benefit hasn’t really changed, it’s just that now I can’t use it for Motability.

    I’m still undecided on whether to appeal or not. But I’m fairly certain that I’ll take the 6 month extension. It gives me an extra 6 months to try and save (I.e. the extra £60/pw I’m getting for care). It should also mean Motability will be covering costs for M.O.T., possibly a service, possibly tyres and insurance. I also think my Golf could depreciate fairly quickly over 6 months as the new Golf will be coming out from June!

    in reply to: Car return #61537
    gilders
    Participant

    Thanks Mike,

    I’d read through the Q&As but somehow missed that info.

    Was suprised to read about the Return to Dealer payment of £250 (maybe it is now actually  £500, like the GCB) for customers leaving the scheme early due to losing their benefits for reasons other than DLA to PIP assessment. I wasn’t offered this 6 years ago when I had to leave the scheme due to having a one off seizure and having my licence suspended for a year. Obviously I didn’t lose my DLA, so didn’t quite fall into the criteria.

    in reply to: Car return #61505
    gilders
    Participant

    Just received a copy of my DLA to PIP assessment report (not the actual award notice) and the descriptors show 12 points for care (was on low care on DLA), but mobility has gone from high rate on DLA to just 4 points on PIP, not even enough for low mobility rate. I expected to get 10 points for mobility (like most people transferring from DLA get) and take it to appeal, hoping to achieve 12 points. I really don’t know what to do as I don’t know if it’s worth the risk of losing the high rate care (which I only just qualify for) at the expense of going from no mobility upto high??

    Now the reason I’ve replied to this thread is to double check that even though the 6 month transition period will result in me having my current car for just over 3 years, do I still not get Good condition bonus?

    The other question (a little off topic so may post separately) do you get the option to purchase your current vehicle after the 6 months period, or is the option to buy only available if you don’t take up the offer to keep your car for 6 months?  It’s highly unlikely I’ll be able to afford the car in 6 months, but absolutely certain I won’t be able to afford it in around a month’s time. (plus in 6 months the car should be less expensive and Motability will have paid for it’s first M.O.T. and maybe another service.

    in reply to: Car return #61484
    gilders
    Participant

    Just received a copy of my assessment (not the actual decision letter). The descriptors chosen add up to 12 points for care (this is an increase from lower care on DLA), but my mobility has dropped to 4 points.

    I really expected to get 10 points for mobility and take it to appeal. But considering I could lose the high care rate on appeal and I only got 4 points for mobility, I’m not sure it’s worth the risk.

    The reason I’ve actually replied on this thread is because after I’ve taken the 6 month extension, I will have kept my car in perfect condition for over 3 years, yet I’ll receive no Good Condition Bonus! That doesn’t seem very fair to me.

    My question is about buying the car. Do you have to buy the car when your DLA ceases or can you take the 6 month extension and buy the car after that? It’s highly unlikely I’ll raise enough money in 6 months, but certainly won’t have enough in around a month’s time.

    in reply to: Rejoin scheme after successful PIP appeal #60998
    gilders
    Participant

    If I’m understanding correctly, if I take the 26 week free extension and lets say 13 weeks into the extention I get PIP reinstated, I pay Motability back the 13 weeks that they let me have the car for free?

    If, in a future PIP review, they decide to downgrade/end my mobility component, will I be able to use the 26 week free period again, as I paid it all back, so never actually got a free period?

    As you may have guessed, I do tend to stress about these things. I’ve not even been told that I’ve not qualified this time and I’m already thinking about appeals and appeals for future years.

    I don’t want it both ways and I’m happy to pay for my “free” period. I just want to be able to get to my hospital appointments. I would love to be able to afford to buy my current car, but even though it’s almost 3 years old, it’s going to be completely out of my budget.

    in reply to: Rejoin scheme after successful PIP appeal #60758
    gilders
    Participant

    Thanks for the detailed answer Chris.

    My main worry is not having a vehicle to get to hospital appointments (most are hundreds of miles round trip).

    in reply to: CEA Card / Free Cinema Ticket #60372
    gilders
    Participant

    Really useful post Winston!

    I had this card a year or 2 back, but didn’t get to use it. I’m a very calm person, but for some reason I get so aggravated in cinemas when people are using their phones. My eyes just get drawn to their phone screens and I can’t enjoy the film.

    There’s hundreds of places where carers get in for free (no card required), which works out like a BOGOF. Some places have a reduced rate for disabled plus a free carer.

    in reply to: Kwik Fit and Motability Tyres #59651
    gilders
    Participant

    I’ve also had terrible service at Kwik Fit. I went through an unlucky period of having punctures  (nails). On 3 occasions, not only was the tyre assessed as being unrepairable  (fair enough) they also changed an extra tyre after finding something wrong with it. Although it didn’t cost me anything for all these tyres, I wasn’t happy with Motability being ripped off and reported them (I don’t know the outcome).

    For the last few years I’ve used Tyre City (previously called Charlie Browns Auto Centre). They must have a similar contract as Kwik Fit as don’t have to pay them and claim the money back from Motability (like it says on Motability’s website).

    There’s 68 Tyre City garages dotted around the UK. Does anyone else know of another garage that you can use without having to pay first?

    in reply to: Under 25's being squeezed out #57776
    gilders
    Participant

    One solution – Any under 25’s (especially 16-20) who want a vehicle above 120bhp/insurance group 16 have the option of taking out their own insurance (or pay a “high risk” premium direct to Motability/RSA). If the only SUITABLE (i.e. not just what the customer likes the look of) vehicle is higher than 120BHP/insurance group 16, then they should be able to apply for a grant (for the “high risk” insurance premium)explaining why none of the insurance inclusive vehicles are suitable.

    I strongly believe that disabled drivers shouldn’t be redistricted in what is available, but just as I’d expect to pay a higher AP for more expensive cars, I’d expect to pay more for the insurance if I was considered high risk.

    in reply to: Under 25's being squeezed out #57774
    gilders
    Participant

    Drivers aged 16-20 already have a £500 excess. Are you saying that the age group 21-25 should have an excess increase so that the highest risk group (16-20’s) can get access to higher insurance cars at no extra charge? Obviously the 21-25s get access to higher insurance groups in this scenario, but as some of these 21-25’s could have already have up to 8 years no claim bonus it seems a bit unfair.

    The follow are average insurance prices (for Leeds/Sheffield area) based on age (note that these prices are from Q2 2018 and are between 13-15% LESS than last year)

    17-20 £2,723

    21-25 £1,758

    26-30 £1,192

    Averages continue to drop until the 61-65 age bracket at £555

    The above figures don’t consider what the average insurance group is for the various age bands. But it is highly likely, due to the high costs of insurance in the 17-20 bracket, that the average young driver is driving a lower insurance group than the other age bands. Therefore I don’t think Motability could give access to higher insurance group vehicles to 16-20 year olds without increasing AP.

    in reply to: 17 year old #57629
    gilders
    Participant

    R Line Golf is 148bhp and group 19 insurance, so not available to under 25s.

    in reply to: 17 year old #57611
    gilders
    Participant

    I’d guess the VW Polo R Line is one of the sportiest looking which matches your requirements, but doesn’t represent good value at £999 Adavance Payment (although it is well below your budget).

    The Polo Beats edition looks a good choice for £499 AP.

    There’s an Audi S Line Q2, but doesn’t look particularly sporty imo. Various Fiestas and Focus which have a bit of a sporty look to them.

    Seat Ibiza FR is fairly sporty and cheap £299 AP

    VW Golf SE is a lot of car for the money (£299), looks great imo, but perhaps, not sporty enough?

    GT Line varieties of Renault Meganes and Clios are fairly sporty looking.

Viewing 25 replies - 1 through 25 (of 47 total)