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We have been outside the mobility scheme since 2021 – the main reason as detailed some while back is having ‘lost’ our Motability car due to the DWP/Motability 3 months in hospital rule, we have not felt comfortable taking on another 3 lease with them that might not be another 3 year lease! Our current fully owned vehicle now 4 years old still drives well and is covered by Kia for another 3 years warranty we only do about 10k per annum and I keep looking a leaseloco myself to see what is out there should we look at that route next time and there are some attractive deals. My initial thoughts are if APs rise and those that have the credit / insurance (no claim) history leave Motability the scheme, it will be left with fewer higher risk customers increasing the the overall costs on those that remain and sending APs even higher as a result. Ideally Motability would do a ‘ hard reset’ and look at many issues like offering extensions again, 4 or even 5 year agreements, and offering customers sensible market based options to purchase at the end of lease as well in my case the option to pay the lease for periods when DWP would not.
The various replies were helpful and sort of put things into perspective. We had a motability car since the early 2000s which my wife drove until 2019 (licensed revoked because of her conditions). The experience in 2021 brought it home to us as to how precarious the arrangement if the person concerned is hospitalised for an extended period.
In the short I have raided the pension pot so don’t need a PCP / contract hire type deal but thanks for the suggestions. If the planned surgery works (early January) – she may well get back to the point where she can think about applying to the DVLA for a medical review – gives her something positive to think about i.e choosing a car that might actually be able to drive even if she doesn’t feel up to it on any given day.
