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  • in reply to: Rear parking sensors #106670

    Oracle
    Participant

    If the vehicle is fitted with a parking camera, it is not required for the car to be fitted with parking sensors also.

    It’s important to note that Motability will not directly pay for any car to be fitted with these devices; it is a pre-agreed pricing arrangement with the manufacturer. For example, all Ford vehicles will have rear parking sensors if sold to a Motability customer.

    If the car does not have them fitted as a factory standard (so let’s say a Ford Fiesta that is at the dealership with no sensors), the dealer is expected to retrofit them for you or order a car with rear sensors. Nothing more, nothing less.

    Should you need anything else, such as an optional extra or adaptation for medical reasons, and you are unable to afford to do so, you could ask Motability for a one-off grant.

    Bottom line: if there’s a camera, there is no requirement for parking sensors also. If you want to check this or ask for support, call Customer Services on 0300 456 4566.

    in reply to: AP hypothetical question! #105311

    Oracle
    Participant

    The answer is simple: you would get the pro-rata amount back of the full (‘book price’) Advance Payment.

    So, using your example, if BMW sold you a 3 Series for £0 AP, but it was in the price guide at £1,999; you would get a pro-rata refund based on £1,999. Crafty, eh?

    Your Advance Payment goes to the dealership, but it does not go to Motability. Instead, it fills a gap in the dealership’s invoice. For example, the BMW I used above: let’s say it’s worth £24,999 as a Motability sale to the dealer; the dealership would get £23,000 from Motability and £1,999 from you = the invoice amount expected.

     

    in reply to: Separate Insurance? #102305

    Oracle
    Participant

    No, the advice given by Michael is correct – all insurance must be through RSA Motability, i.e. the insurance included within the lease.

    If you aren’t named on the policy (even if you had private insurance), you would likely be in breach of the lease Terms & Conditions. As such, if Motability became aware of what you were doing, they could issue you a Default notice and terminate the agreement = no car, no refund of the advance payment.

    Not worth it.

    in reply to: 4×4 or winter tires whats best #90942

    Oracle
    Participant

    Generally, I would favour winter tyres, unless you absolutely need 4wd all-year round.

    Factor in that a 4WD car is more complex (ergo, expensive – bit like automatic gearboxes cost more) and they are also heavier, which along with the way the work, means the use more fuel. So, if you only need 4WD for occasional bad/inclement weather, you are paying a lot extra for little benefit.

    Winter tyres you can keep locked away in storage, have them fitted for winter driving and then swap back when the seasons change. As they aren’t used all-year, they will last you a long, long time – and you can also buy snow chains for really bad weather.

    I hasten to add that if you do get 4WD, if there is snow/ice, you should still be taking every precaution and that might include winter tyres and/or tyre chains. Don’t assume 4WD on standard tyres and normal driving is okay.

    If the weather is really bad, I don’t venture out, even if I think the car can handle it. I only go out for essential journeys. Why? I trust myself, I drive appropriately for the conditions, but it is a risk at the end of the day and I absolutely do not trust every other road user to drive safely or maintain control.

    Best of luck whatever you do!

    in reply to: Business insurance? #90939

    Oracle
    Participant

    Hi Joss, I understand how it may seem. The individual that I am enquiring for is the main carer and is the only individual that lives with the disabled parent. I believe they only work 2/3 miles from home and would use the car to and from work. They would also be returning home at lunch times to provide care etc. I believe they only need business insurance for one off trips between council offices however the employer will not issue them with a permit unless they have Business included. They wouldn’t even be covering more than 5/10 miles a day. So I believe it may still be in the benefit of the claimant as the individual appears to be the only person in the household earning. They also wouldn’t be using the vehicle for excessive mileage. I may be wrong, hence why I enquired here.

    In this exact example, if we take what is written to be 100% accurate and gospel, the following would generally apply:

    • The car is always provided for the benefit of the disabled personal primarily.
    • However, it is feasible for the car to be used to support the household that the disabled person lives in. For example, if this driver financially supports the disabled person, work might be considered a benefit indirectly. This only applies if the driver actually lives with the disabled person and this can be evidenced.
    • But, any personal usage (incl. work journeys) by the driver need to be kept to a reasonable minimum and must always be proportionate to the amount of direct benefit the disabled person enjoys themselves.
    • Taking into account the above, commuting would be permitted, but business cover would not, unless the driver was a legal guardian, spouse, etc.
    • This condition is set by RSA Motability; you can speak with them, but on the basis of what you described, they would likely declined the business cover and that is at their discretion. You do not have route of appeal against this.

    At the end of the day, we have to respect who the Scheme is setup to support. It doesn’t work for everybody and it isn’t the only way to get around or lease a vehicle. The last thing anybody needs is being caught driving uninsured and/or have an accident, whereby the insurance claim is repudiated/rejected (especially when a repudiated claim will get you kicked off of the Scheme).

    • This reply was modified 7 months, 3 weeks ago by  Oracle.
    in reply to: Heated Winscreen switches of after 30 seconds -so awkward #90935

    Oracle
    Participant

    A pro tip for stopping your windows fogging up, don’t use aircon. Most of the fog is trace refrigerant in the system being blown onto the glass. Turn your aircon off and clean your windows thoroughly and they will fog up much less and not need cleaning as often. During those couple of days in the summer when aircon is actually needed, set it to feet and forward vents and not the screen. After use keep it off the screen for a good while to allow any gas to clear the system. Had my current car 3 years and 1 month, used aircon 2 or 3 times and cleaned my windows maybe every 3 months.

    Air conditioning actually helps to reduce fogging, as it dehumidifies the interior of the car – just adjust the temperature accordingly for the time of year. I run my AC in my car almost permanently; in summer it keeps me cool, in winter it keeps me warm, without fogging up or me needing to ‘crack a window’. Trace refrigerant has nothing to do with it (shouldn’t be leaking anyway) and it is only cold when it is in the system anyway.

    The only downside to air conditioning is that it draws power, therefore stealing some from the engine and also using marginally more fuel. For me, it’s a trade-off that I am comfortable with.

    OP – my heated windscreen goes off automatically after around 1-2 minutes in my car, and this is normal. The idea is that it clears the screener from ice/frosting/whatever, but you then adjust your heater in the car to keep the windscreen clear (and I’d recommend trying having your air conditioning activated, but the temperature set higher, perhaps around 21-22 degrees). Just keep it on a low fan setting, but set to blow onto the windscreen.

    in reply to: Speeding Ticket after Giving Car back #89043

    Oracle
    Participant

    John – just complete the form as best you can. If you cannot provide a name, provide a short letter explaining the circumstances (i.e. leased Motability vehicle, not in your possession any more, name of dealership, etc.) and attach this to the form. Take a scanned copy (or clear photos) of all documents you complete and nip into the Post Office to send it back to the police – and make sure you get proof of postage (use 1st class mail).

    The form is a ‘Notice of Intended Prosecution’ (NIP), bundled with a legal request for driver information from the registered keeper (using Section 172 of the Road Traffic Act), so John mustreply. If he doesn’t comply, he may be committing an offence and end up in court, getting points and a big fine. Motability cannot reply for him.

    Whilst informing Motability and getting their advice isn’t a bad idea, John is/was the registered keeper of the car and is therefore legally responsible for its use – and, crucially, completing the form. Still, helpful to let them know, as they can note it on your account should there be a problem later.

    in reply to: Cancelling order #86219

    Oracle
    Participant

    Unless it’s for extras you chose over the standard features you would still get any deposit back. Some bad salesmen will tell you to pay the AP up front. But this is wrong, you don’t pay that until you have entered your PIN number on collection day.

    Most dealerships/customers settle the AP on the day, but dealerships do have every right to ask for it up-front / before committing to an order (i.e. ordering the car from the manufacturer or registering it to you).

    If a dealer asks for the money up front, they are not necessarily ‘bad’. You have to also bear in mind some negative experience (either with Motability or retail customers) that might lead to a dealership wanting to see the funds at the point of ordering. It’s their prerogative to ask for it – and yours to pay it or take your business elsewhere.

    in reply to: Third Driver #83232

    Oracle
    Participant

    £73 per year, payable in advance (e.g. £219 at the start of a 3-year lease, or prorated at that rate otherwise).

    However as you say, there is currently no charge for a third driver, although this is still a trial so it could change in the future – I don’t think it will, but nothing is certain.

    Definitely worth taking advantage of if it helps any members here.

     

    in reply to: BMW i3 that old chestnut! #79333

    Oracle
    Participant

    Charging points are included within the cost of the monthly lease and Advance Payment

    It really is that simple, but many Motability dealerships aren’t aware of how it is supposed to work and not every Customer Services advisor at Motability would immediately know. Motability don’t want to mess people around, but equally they do want to make sure that anybody who has an electric vehicle has the means to effectively recharge it.

    Once installed, the charging point is yours and would not need to be returned at the end of lease (irrespective of what the dealership say). Bear in mind that all Motability cars are leased, but not from the manufacturer – directly from Motability!

    This means that the car (and anything else associated/included with it) is the property of Motability, <span style=”text-decoration: underline;”>not</span> the dealership. Dealers are simple service agents once the car is delivered to you and the PIN entered, so don’t let them get too big for their boots.

    in reply to: Deposit at VW #70772

    Oracle
    Participant

    Hi Jason Lee

    It’s normal for the dealer to ask for a deposit re: optional extras (sometimes they will ask for some/all of the Advance Payment, too), but this should only be affected if you were to cancel the order yourself.

    The best advice I can give is to clarify the terms of the deposit with the dealer and ask for a copy of their policy (if they have one) or confirm it all in writing; <span style=”text-decoration: underline;”>do not accept any verbal guarantees alone</span>. 

    It is unlikely that any tariffs will be applied to a Motability deal and I would expect ‘business as usual’ for the time being. Certainly, nothing extra could be charged to you and would be grounds to cancel if it was forced (which is why you should have the exact terms on when your deposit is/is not refundable).

    All pricing is agreed in quarterly blocks, so don’t expect to see any major problems caused by Brexit until at least Q2 or Q3 in fairness, plus don’t expect Motability to entertain the notion of paying tariffs or additional fees. These are good things. We also know that Motability Operations hold extensive reserves; whilst this has been a contentious issue, the uncertainty that Brexit is causing can only mean that these extra provisions are a positive for the Scheme.

    Hope that helps. Great choice of car any all the best with your application – let us know how you get on or if you need any further helps.

    Thanks

    Oracle

    • This reply was modified 1 year, 3 months ago by  Oracle.
    in reply to: Motability car and PIP at 65 #68219

    Oracle
    Participant

    Provided that someone receives:

    • Higher Rate Mobility Conponent of Disability Living Allowance (DLA)
    • Enhanced Rate Mobility Component of Personal Independence Payment (PIP)
    • Armed Forces Independence Payment (AFIP)
    • War Pensioners Mobility Supplement (WPMS)

    They will qualify for the Motability Scheme

    There is also no upper age limit for the Scheme.

    Just be mindful that some older people get awarded Attendance Allowance if being awarded for the first time (over the age of 65), which doesn’t qualify on the Scheme.

    Hope this helps.


    Oracle
    Participant

    Hi all

    Whilst it would be disappointing to see any changes to the current incentives to go PHEV/FEVs available, this is inevitably what will happen as they take the lion’s share of the market in the future.

    The key thing to note as a Motability customer is that – provided that your car used taxed in disabled class (using your exemption) – the charge is not payable.

    https://www.motability.co.uk/contact-and-support/faqs/do-i-have-to-pay-the-congestion-charge

     

    in reply to: Feeling lost #68188

    Oracle
    Participant

    Hi DellBoy

    You mentioned thinking you had more time in the current vehicle – have you considered asking for an extension?

    It may be possible to extend the lease by 1 or 2 years if you paid a significant Advance Payment on your current car, it is adapted significantly or has low mileage (15-20,000 miles in 3 years).

    Alternatively, you could ask for an extension of 6 months to save some money and look around (this allows you to have the benefit or am waiting until Q2 if you don’t like the Q1 prices as well).

    Just a thought. If you’d like to check these options, do give Customer Services a call on 0300 456 4566.

    All the best for your new car and the new year.

    in reply to: Merc GLA #67465

    Oracle
    Participant

    Thanks for keeping us posted!

    Car availability is a bit all over the shop at the moment, with a lot of that being down to cars being re-engined under WLTP. Best thing to do is ask at the dealership, then ask them if there is any in-stock (at other dealerships) that they can get in, as this is often possible.

    I think the Mercedes-Benz GLA200d Sport (available for £2599 in Q4) is a beautiful car, with nearly 180BHP, so responsive on the motorway. That said, the BMW X1 is a truly lovely car and arguably that little bit more practical. I also have a great deal of time for the Audi Q2 and notice that it’s prices have come down quite a bit recently, compared to when it joined the Scheme.

    Peugeot 3008 (and 5008) are nice cars, but having recently been in a hire car (Peugeot 2008), it’s a reminder to me that you can’t beat good, solid German engineering – everything feels nicer and controls are more intuitive.

    Once you’ve narrowed your choice down, make sure you place an application before Q1 2019 (i.e. by 31 December 2018), as you’ll have your priced ‘locked in’ and guaranteed – if it goes up, you’re safe.

    Best of luck and happy hunting!

    in reply to: Car Damaged – Good condition bonus (Opinions) #67237

    Oracle
    Participant

    Hi Masquerade

    If you were buying your current car and had been told it was in ‘good condition’, would you be happy with the area of damage when you went to collect it?

    The damage indicated is definitely not ‘fair wear and tear’ and so there is a risk. It’s understandably not ideal that it has happened so close to returning your vehicle, but you have to ask yourself – is it worth taking a gamble on potentially losing £400 for the sake of spending £100?

    Erring on the side of caution, I think you’re doing the right thing (both financially and morally) by getting it repaired.

    Best of luck with getting it sorted and your new car.

     

    in reply to: Earlier Change Over #66195

    Oracle
    Participant

    Hi ChrisK

    Just to chime in, you do not have to have metallic paint – a customer can elect to have basic solid paint instead. Motability cars are ‘priced’ to include standard metallic paints by default, so a customer only has to pay extra for premium metallic or pearlescent paints.

    Solid paint is always acceptable on the Scheme, although Motability may pay the dealer slightly less for this (lower residual value on the car when re-sold) – this has no impact on a customer and is a background process.

    With that said, the obvious choice is always metallic paint – it often looks nicer and doesn’t cost anything extra, so it’s a no brainer for everybody! Just wanted to clarify that customers aren’t locked into having it.

    • This reply was modified 1 year, 6 months ago by  Oracle.
    in reply to: Earlier Change Over #66162

    Oracle
    Participant

    Hi Oscarmax

    Based on what you’ve said, your best course of action is almost certainly to call Motability Customer Services (0300 456 4566) and request an early cancellation based on a chance in your circumstances/health, making the current vehicle (and lack of suitable adaptations) unsuitable.

    Whilst Motability may charge you a fee of up to £250 (and you will lose your opportunity to earn your Good Condition Bonus on your current car), I am confident that you’ll have the cancellation agreed. If this is your first cancellation, you may be charged a lower fee or possibly no fee at all. If you paid an Advance Payment, you’ll receive a pro-rata refund of this for the months remaining on your lease in the form of a cheque.

    Once a cancellation has been agreed, you’ll be free to order the car you want that is currently on the Scheme, which is crucial, because it means that your order would be honoured even if the car is later removed from the Scheme. You can also have any adaptations fitted prior to delivery and these will be fully subsidised and save you a considerable amount.

    Grant funding may be an option if needed towards any costs due on your next car, provided you meet the criteria (rule of thumb, receiving a means-tested benefits may qualify you). You absolutely will not get any grant funding for any costs on your current vehicle.

    Best of luck whatever course of action you take!

    in reply to: 24Yearold Driver #66137

    Oracle
    Participant

    Hi Mike

    Some really valid points above. I’d also consider the Audi Q2, which has a lovely interior and is available in automatic, whilst still being available for under-25 drivers (1.6 TDI engine).

    It’s also worth bearing in mind that you could add your partner as the sole driver initially and take a more ‘spirited’ car (suitable for over-25s only), then have yourself added by the insurance company over the phone once you turn 25!

    None of the new A-Class models are suitable for an under-25 driver sadly, but you have got options. I’d stay well away from the BMW offering if you are going for an under-25 suitable car, because you’ll be limited to the 116d Sport or M Sport, both of which have hideous Advance Payments (and you could get a much better car for the same money or less).

    Best of luck with your search!

    in reply to: When can I Order? #66136

    Oracle
    Participant

    Hi Efc84

    Officially the renewal period is 3 months – or 90 days – prior to the 3 year anniversary (or 5 if you in a WAV) of your lease ending. There is no ‘way around this’ per se, from a Motability standpoint – not without an early cancellation, anyway.

    Some dealers may offer you a deal and secure you a vehicle as if you were a retail customer, but then creating the order on the Motability system once within your renewal window. Of course, this is a risky business for them and outside of any support from Motability.

    As for placing a new application (on Motability’s system), the dealer needs your full name, date of birth, postcode and national insurance number to start an application.

    Hope this helps.

     

    in reply to: Merc GLA #65744

    Oracle
    Participant

    The GLA is a terrific model, very well made and has a nice premium look/feel to it. It is a little small for the class of vehicle that it sits in, essentially being an (old) A-Class in a bigger package – hence the title, GLA.

    So, I would definitely say if size is important, then the BMW X1 is more or a practical car. I can’t speak for the Peugeot 3008, although they are very popular and appear to be quite nice. A nice middle-ground is also the Audi Q2, which would recommend looking at.

    One thing to bear in mind is that the Mercedes-Benz GLA-Class 1.6 GLA 180 Urban Edition is available now at nil Advance Payment, which is an absolute bargain, especially if you qualify for the £500 good condition bonus for your Nissan Juke.

    Good luck with your search – do let us know how you get on and what you choose!

    in reply to: Automatic Transmission Grant #65743

    Oracle
    Participant

    Hi Paul

    If you are in receipt of the war pensioners mobility supplement (WPMS), then the automatic transmission grant is automatically (excuse the pun) applied for you by Motability and Veterans UK.

    In terms of how it works, you pay the full advance payment at the point of collection, but will receive the money back directly from Veterans UK. This will be for the difference between an equivalent vehicle on the Scheme available in a manual transmission and the ‘cap’ is £600.

    So, if you chose a car on the Scheme that is £0 AP in manual, but £599 in automatic, you’d receive a cheque for £599 after delivery. If it was £799 for the automatic however, you’d get £600 back.

    You might find it helpful to call Motability Customer Services on 0300 456 4566 to confirm how it would work in your case.

    Hope this helps.

    in reply to: ASKMID – Insurance not renewed on lease extension…. #65739

    Oracle
    Participant

    Hi Mike

    If a lease extension has been agreed, you will always be covered. Whilst the car may not show on the motor insurance database (MID), the physical vehicle is insured, due to Motability have a fleet policy. If you ever had a serious issue – for example the police had threatened to seize the car – you can be provided with proof of indemnity by RSA Motability (RSAM), either over the phone or in writing.

    Should you ever notice a discrepancy with your vehicle insurance, tax or MOT status, the best thing to do is to call Motability Customer Services on 0300 456 4566 to raise the issue, as they can log it and then speak to the necessary team on your behalf (or transfer you if needed). There’s no harm in speaking with the insurance company directly either by calling 0300 037 3737, but I’d recommend speaking with Motability first.

    As for MID being updated, this is controlled by RSAM once they are notified of the extension by Motability. Timeframes vary between insurers, but on the Scheme it is normally the following working day from the point the extension is processed Motability’s end.

    As the issue was resolved (the extension ‘finalised’) on Friday, your car probably won’t be re-added to the MID until Monday or Tuesday (19-20 Nov).

    Use the car as you need to, you’ll be fine. On the off-chance that you get pulled again, call Motability from the roadside and they’ll advise that you are covered. Effectively, if you are in an agreed lease (or lease extension), you are always covered, as the insurance is an inclusive part of a Motability lease and cannot be cancelled.

    Please note that being on the MID is not proof of insurance. Equally, not being on the MID is not proof of being uninsured. Police rely on if a bit too religiously sometimes, because it’s right 99% of the time, but it is just a tool at the end of the day.

    Hope this helps and gives you some reassurance.

    I

Viewing 23 replies - 1 through 23 (of 23 total)