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does the website with new prices get updated from midnight or after 9am?
9ish. They aim for 9am but sometimes it’s nearer midday. There’s usually more activity for a couple of days while it sorts itself out.
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MGS6 has joined! Unfortunately it’s at holy cow! and Forget it!! There’s no way the electric version of the HS is worth an AP of £6,495.
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Peugeot Q2 prices
With the exception of the e-rifter, there’s not an EV in sight.
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So far, that’s a standard issue fob off. What isn’t surprising is that they’re just responding to the government’s decisions to tax the scheme whilst ignoring complaints about their abject inability to defend the same scheme.
Half a million a year plus bonus. We know where Kier can go after the next election, if Motability still exists then, that is.
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There needs to be some common sense applied here. It’s been said several times but when commercial leases can be adjusted for extra mileage allowance, there’s no reason why Motability can’t be flexible with an addition to the AP agreed in advance. Simply put, on a car where the new AP would be £1,000 a 15,000 annual allowance could make that AP £1,750 and if you need 20k, you pay £2,500. I know there will be people for whom the extra payment is unaffordable but it helps the majority.
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I’ve been saying all of this for years. We’re definitely off the scheme when the current lease ends next year. We won’t terminate early as there’s no point. Been looking today, thinking of an EV from Hyundai or Kia with the long warranty, can probably stretch to around £25k for a 2 year old used but keep it 5 years. We’ll then have equity to change a bit more frequently or drive it into the ground and pocket the PIP.
There’s a good selection between £20-25k depending upon just how big an EV you need. I’ve seen a good few that weren’t on the scheme or you’d get the base model and these were better. It’s worth looking at insurance quotes because some are quite eye watering. I had a look at a 16k Model S (free charging for life) and the insurance with full NCB, in quiet little Cornish town was £7k😳 that’s around half the purchase price but yearly.
There’s some nice AWD options, Ariya, Mach E and, of course, Enyaq’s. Long range Mach Es (small battery only on scheme) and every version of what you could get 3ish years ago. I’ve seen a few EQBs if you want a Merc.
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The core group of wheelchair users will be protected. But I reckon Motability is under pressure from DWP or HMRC to reduce fraud on the scheme. Hence the black boxes and drive smart.
Regardless of theories there’s no winners from this. A select few may have their mileage increased at extra cost but even those otherwise VAT exempt will suffer from these changes.
If I was a wheelchair user, I’d be looking at what I could negotiate outside of the scheme, drop VAT from that and finance the rest.
DWP is under instruction but it’s the weak Government running scared of the Right that are causing this. They need to know the effects of what they’ve done purely because their lack of vision let Reform dictate policy.
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Maybe a solution is to open up the payment process to more leasing companies? If competition exists, there will be more pressure to control costs and keep prices keen. It’s why the big leasing companies pay everyone what they can get away with while Motability can cherry pick off high wages and luxurious benefits package. Image how they’d fare if the 4 biggest leasing companies could suddenly enter a 880,000 customer market. There’d be offers galore, if they can get close to Motability prices with all the VAT they have to pay, imagine how they’d go on a level playing field.
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Oh sorry yes toes can still be moved however again radiates pain..
That kind of confirms the theory of fracture/stress fracture. To be fair, if the bone is aligned there’s not much beyond a boot that a doc will do. That said, if it’s out of line or a complex fracture (unlikely in a small bone) they may want to either manipulate it back or surgically correct it. My guess would be pain relief and a boot for 6 weeks.
Still, advice stands. You’re concerned enough to ask about it, you need to get it looked at in person by a professional. It won’t get better quicker if you try and ignore it, in fact the opposite applies. The sooner it gets a secure support where it can heal without the constant aggravation of movement, the sooner it’ll heal.
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Thanks @kezo. She is a Band 8.
The band thing is really about where the salary sits after the deduction of the car payment. In all Salary Sacrifice schemes you must be left with more than minimum wage. Obviously the monthly payments can get bigger if you’re a senior manager than an admin assistant, purely because your salary sits much further away from min wage.
At band 8 there should be plenty of good options available.
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It may be possible that you’ve stood on something while you were less aware of the discomfort and now it’s easier to aggravate while walking.
Advice still stands, get it looked at by a professional. I hold no medical qualifications and can’t poke, manipulate the area. Hobble your way to minors, take a book.
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My daughter is an NHS nurse travelling around her patch home visiting and I’ve pointed her in the direction of the NHS scheme but I don’t now why but she prefers to drive her 10 year old Ford and just claim expenses. Maybe she seen the predicament we MB customers are in and the thought that she is relatively safe in her own car without outside interference.
The biggest difference she would see if her expenses would almost disappear. Instead of a mileage rate that includes wear and tear plus extra insurance, she’ll get one that is only for fuel and could well fail to cover that.
As far as expenses are concerned, any Salary Sacrifice scheme that includes insurance is considered a company car, so if you get expenses it’ll be very different. As @kezo states, the available information will cover everything in detail.
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Can you still move your toes?
Is the lump hot?
There’s a number of possibilities but, without medical history and an understanding of what can/can’t move, it’s not easy to guess.
Possibilities include a cyst, broken bone, dislocated bone or a bite or something that’s become infected.
Either way, I’d suggest getting it seen at your local minor injuries unit, it needs to be seen by a doctor.
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Ofc you can, they can’t force you to keep it if you wish to leave the scheme
You might want to reread your contract. Motability can allow you to terminate your lease early they can choose to waive the £250 fee but they can and are legally entitled to decline your request to terminate. That means, even if you take it to a dealership and leave it there, they’ll continue to receive your payments until the lease is terminated.
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You have done and managed before, so no reason why you can’t do it again. It hasn’t got to be expensive or new
Actually, I’ve not. Without going into excessive detail, all the cars I bought were financed, the one before this was a combination of 2 household’s budget after my dad passed then Motability. The next car after the scheme will be the first where I don’t have the opportunity for finance or a massive budget. It’ll have to be whatever I can save through the next 3/4 years.
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It’s sad that a lot of people will have no choice but to just absorb these additional costs, as they don’t have the financial means or confidence to go elsewhere, but then how will these same people be in a position to pay thousands of pounds excess mileage charges at lease end, and what happens if they can’t? It doesn’t seem very well thought through to me.
I have decided to terminate my lease before the changes come in effect and avoid VAT on the early termination fee. For now I’m likely to use the 220d, but seen a 540i Touring I quite like (ex demo) To highlight the extreme end of excess mileage charges, my last reply to Fartoostrong ( Mileage cap now going to be only 10,0000! topic) is eye watering!
Speaking as one of those with very little options, it’s frustrating just how much the Scheme has changed since I started looking at it just 5 years ago. To some extent, there’s been an increase in choice for the BEV driver, we had the Ariya at £9,500, the Kona/Niro and the Enyaq. However, the cost has been all over the place and is very likely to remain as inconsistent. The choices are now decreasing and costs increasing. The new rules still feel like a starting point for things to get worse from, that damn Drive Smart feels inevitable and will be the kiss of death for so many of us.
The alternatives are incredibly limited though if you can’t get credit at a decent rate. I will have to look at seriously saving hard throughout this lease (or winning the lottery) to be able to leave the scheme, even then I’ll be returning to used cars and all the risks that come with them. The upside is that I’ll be looking at increase choice there, too. Financing, even if I can save a very decent deposit will be impossible unless I can find work I’m actually capable of physically doing as there’s not going to be great rates for people classed as unemployed, even if it’s through medical necessity.
If I was in the position where I could leave the scheme at the end of this lease, I really would, there’s plenty of cars around that are 1 year old and would be suitable (I still can’t see why people lease a car for 12 months, that’s the most expensive time). For the retail price of the EV5 on the Scheme I could get an EV9 with all the space that offers, even at more realistic values, there are plenty of options that would equate to the choices I made when I leased this car but at 3 years old and still warranted for 4+ years.
Anyhoo, I’m digressing. With a 10k limit, any disabled person will struggle to find work that sits within their allowance. While the job centre pushes you to open your prospects (look further afield) Motability have just forced you to do the exact opposite. I’m sure that wasn’t the government’s plan.
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@Glis_Guy I agree, it can’t be that difficult to provide a second price on request if you contact Motability and request a 15, 20 or even 25 thousand mile allowance, then on a personal basis for each vehicle and, taking into account lease length, provide a new depreciation calculation. Taking the ever popular Enyaq if the advertised price is £750 at 10k miles, you could request the highest rate but the AP then becomes £3750. It’s much more upfront but much less than paying the full 25ppm excess. Thus if you’re working or have regular hospital appointments at a hub hospital hundreds of miles away, you can still use the car fear free.
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5 if you include the thread I started that’s vanished into obscurity when the change page was initially posted. I haven’t even bothered adding this news to that as it’s been utterly covered here.
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Just a quick thought. Is this legal? I always thought charities cannot just simply take away or reduce a service for disabled based on a “average” unless that charity is at risk of going insolvent. It stinks of indirect discrimination I’m no good at maths but is an average saying 50% of motability “customers” drive far more than 10,000 miles a year ? With the lease agreement of any other company extra mile fees are between 5p and 15p what information have they used to increase the cost to 25p Where are the sums? How much would it cost to keep the 20k allowance, and why does it even matter to reduce it? Apart from the value of the car at the end of the lease I can’t see why and if it’s a decision based on profit again is that lawful for a charity to do? We have made the easy decision to leave motability when our lease ends next year. As a disabled customer who works and needs that transport for both travelling to and from work as well as medical appointments and you know maybe daring to want to go out somewhere in-between for shock horror to have some fun, they will no longer get our business, maybe we will spend our PIP on tattoos, massive TVs and cigarettes But Rachel from accounts has bowed down to the multi millionaires tax dodging MPs of Reform.
I can’t answer all of that but here’s my thoughts:
1, The average is 7,500 miles a year, that means quite a few doing next to nothing and a few going over 20,000.
2, 25p excess miles is probably just a number plucked out of the air. They’ve taken 15p from commercial leases and added a number for insurance, maintenance and cover that Motability offer.
3, the sums are based on depreciation. They will have seen from experience how much they get for 20,000 cars and 7,500 ones. From that they’ll know just how much the new allowance should create to cover the VAT increase. Dealers on various Motability groups have said that this will more than cover the tax increases and they’re the ones buying our cars.
Yes, this was Labour running in fear of Reform’s popularity and what Tice & co was saying about the unjust ‘free cars’. It’s been left to us and a few pressure groups to put pressure on our MPs and ensuring they are aware of just how wrong these measures really are and how they severely impact our lives. They want us working but just prevented us using those cars to get to work, genius.
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On BBC Question Time last night they were talking about cost of living pressures, and a lady in a wheelchair mentioned the changes to the Motability scheme that were going to be costing people over £1,000. In a typical government dodge, the government minister on the panel said that he was happy to talk to her “after the programme” about “her situation”, which leaves the audience thinking that the issue is specific to her, rather than all Motability customers
I saw that. It was the “we’re helping keep the scheme affordable” comment that had me shouting at the TV. I’ve never known adding to costs be referred to as making it affordable. I’ll be chasing my MP to see what BS he tries as I point out the realities of where the changes and the availability/prices of the scheme puts us.
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I'll try to give my honest opinion but am always open to learning.Mark
With today’s announcement, my worst fears seem not to have materialised, we aren’t (yet) getting the Drive Smart failure inflicted upon us.
So, it’s down to waiting for the new cars to come out and seeing what happens with the APs each quarter. I’ve managed to find a few options, it’s whether they’re at the right price come Q4 that will prove interesting.
So, we’re waiting to see how much the Atto 3 Evo will be, if the EV5 drops in AP and whether the Leaf joins this or next quarter. The Smart #5 could be an interesting addition, although I expect it might be a tad expensive.
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So I spoke with an adapations provider the only one with the tech I want that can support such a big hoist is the enyaq. But thank you everyone. I think ill go for thr sportline 85x maxx
If you can go for the 85x Maxx, can the EV5 GT Line take the hoist? That’s got a substantial boot and all the kit you need.
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I do wonder just how many are going to try this? Also I wonder if Motability have changed how they allow early termination to happen and what criteria they’ll set.
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There was a survey that went out to some customers that included a ranch of proposals including the mileage reduction.
As for the 7.5k average, I can believe that, whilst there are plenty who work and travel and stuff I know there are also those that drive a lot less. My mum’s last car did 4.2 k miles total in 3.5 years. I also know of others for whom it’s a weekly trip shopping, occasional trips to the doctors/hospital. 7k a year would be a long way beyond what they do in total.
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I wonder how many are considering the benefits of an early termination charge and getting a whole new lease? I also wonder if Motability are geared up to prevent this very thing?
My guess is that anyone terminating this side of July will undergo a significantly stricter process to escape these new rules. I’m waiting to see what April brings to see if there’s value in it for me.
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