Forum Replies Created
- Replies
Understand your point Kezo but that isn’t what Legal Expenses will cover in a motor insurance wording.
DLM may have an agreement in place (with the TP insurer) that means there will be no uninsured losses. That way, Legal Expenses section will not get involved – it wouldn’t operate how noted in previous comment.
Very much doubt that police will contact you about the TP driver’s potential conviction(s)
I might be able to help a little bit here Glos Guy.
1- Some insurers will accept Motability NCD as “Earnt NCD” others will accept it as “Claim Free Driving” which is similar to ex-company car users. It’s important to find the insurers that accept it as Earnt NCD as this becomes portable at renewal if their rates become uncompetitive. In the case of “Claim Free Driving” you could be in a situation at renewal of being in recept of 1 year NCD equivalent to 60/ 65%
2- Similar with NCD transfer. It used to be on an insurer basis. Some would allow transfer from policy holder to named driver in the event of the policyholder not being able to drive. Normally, this would be allowable if A- Spouse B – Named driver was on policy for period of NCD years transferring C – Health reasons only. Other insurers may have only done this in the event of death.
3 – Your circumstances (accident). When I was an “expert” in this field there were many insurers that would allow their own step-back scale. Senario, possibly your case, you had 9 years NCD (most insurers max) and had an accident in 2021 – they step you back once on their scale, that could be from 9 to 4 years. You would have earnt 3 or 4 years since then (depending on your renewal date). You could potentally have 7 or 8 years to use now.
With that mileage and purely a financial decision- there’s no other option than electric. If you take the grant and get the 5008 – you’d be, conservatively, £10k worse off over a 3 year lease period. I see the following options:-
1- come off the scheme and enforce the subsidised transport.
2 – get the 5008 electric without the grant. The grants team will not let you top-up under any circumstances.
3 – use the grant towards a 5 seater. Will be £5000 better off than option 2 with 2 fewer seats! – this is only if grants team agree to this (you may have only been offered a grant based on the need for a 7-seater)
I believe that the policy is all wrong in this circumstance- the fuel type in this case is a need rather than a want.
Good luck
Doing plenty of research in readiness for an EV. Currently with Eon on a “regular” fixed rate but with 1st choice car (Enyaq) + Ohme charger I’m eligible for their drive smart tariff at 6.5p off peak & 32p peak. Rough, educated calculations I’m looking at around £115/month bill. They also have a non smart tariff where off peak is 7.5p and using same figures for estimate the monthly electricity would be around £125. But, I’m coming across loads of problems people have with smart tariffs, ranging from won’t charge, not getting off peak rates, having to go in 1 app to stop charge so smart tariff can do it’s thing. Currently pay £100/month so looking at cost of running an EV between £15 & £25 (both way cheaper than what I currently spent on petrol so I’m wondering if the extra £10 less is worth the hassle. The impression I get is issues arise due to multiple charging apps for car, charger & electric supplier. Issues don’t seem to be just Eon as seen similar problems with Octopus IOG. How are people here finding things?
EON smart drive has its pros and cons. Pros are that car will sometimes charge outside of normal nighttime hours so you often get more “cheap time”/ support staff are knowledgeable. Cons, for me, the app isn’t great and car charging constantly switches on and off which creates notifications within the vehicle manufacturer’s app
Legal expenses cover won’t let you appoint your own solicitor. There is likely a panel of solicitors that would only be appointed if needed – cover is for non-fault motor accidents relating to that vehicle/ policy only.
Household insurance legal cover will almost always exclude anything to do with a motor vehicle.
I ordered the SEL with the ‘Plus Pack’. Against my conservative judgement, I added the 20” wheels and basically have the something that looks better (in my opinion) than the Edition model – I think it might just be missing the green piping/ cording on the seats
What really stands out to me is how similar many cars are within the same bracket. For example, the Skoda Enyaq, Nissan Ariya, Peugeot 5008, Ford Capri, and Ford Explorer – all roughly the same size, with comparable features and EV ranges. Yet, across the board they all seem to come in at around £6k (give or take) for the advance payment on Motability.
It makes me wonder if there’s been an element of price-fixing here, because the alignment feels a bit too neat.
On top of that, the Enyaq appears three separate times on the Motability website, but from what I can tell the listings aren’t quite accurate. Also, the so-called “4×4” versions don’t actually seem to be 4×4 at all!
I’m also looking at similar cars. Currently drive Nissan Ariya- have looked at the Ariya again alongside the Skoda Enyaq. Does anyone have any comments about the Audi Q4? Appreciate it has an eye watering AP
Apologies, I did mean ‘additional’ rather than new. However, my information will be correct unless there’s been a massive change in the motor insurance industry in the last 4 years.
No you can’t use it, I’m afraid. Each ‘new’ vehicle that an individual buys will start with NIL NCD. Likely you could find an insurer to mirror the NCD if driving is restricted to insured only or insured & spouse
I used AI to enhance the image on the council’s portal. It doesn’t look conclusive. Can anyone with better eyesight than me tell if it’s a blue badge?
Appreciate your reply and, I too, have been guilty of not displaying/ displaying an out of date badge/ forgetting to put the clock on show on many occasions.
This time, however, all was correct. Confidently, I went to appeal and was going to use the photographic eveidence but it was very unclear.
The response from the council states that they have checked photos and enclosed them. They didn’t enclose them!!!
