Forum Replies Created
- Replies
@Glos Guy
What you’re saying makes sense. I was looking at it from the question posed by the OP, not NF170’s post which I agree could be taken both ways. I believe the NCD should be based solely on the driver’s history. The driver is the risk so I think anyone who is lucky enough to be able to have a second car shouldn’t be penalised for it. However, insurance companies are a bit of a cartel and seek out every opportunity to pad our premiums. Cheers 🍻.
Glos Guy said “As several people have already said (and done), you can use NCD built up on Motability cars on private insurance. Where on earth do you get the idea that you get NIL NCD with every new car. That is nonsense.”
Sorry, I have to disagree with this. Yes, you can build up NCD on your Motability car, get a letter confirming this and have an insurance company allow you this NCD on a private car BUT this is where you’re leaving the scheme. You cannot use your current NCD on more than one vehicle at a time. I’ve had this situation frequently in the past and, when you look into it thoroughly, what I’m saying is true. Personally I think this is the usual insurance rip off. It’s your NCD and you can only drive one vehicle at a time but I’ve never found an insurance company who will allow this double use. Sorry.
@acw said:
“Well the scheme comes in for a lot of criticism, sometimes, and with our renewal coming up I was half thinking of leaving and buying something privatly.”
The biggest issue for a lot of Motability customers is that they’re not in the financial position to be able to consider a newish second hand private car. They don’t have the cash in the bank nor the ability to qualify for finance. This leaves Motability as the only real game in town, especially with no credit checks so a poor credit history or lack of income won’t mean you’re goosed.
When I had a Skoda Octavia on the scheme I had the same problem. My solution was to pay the dealer to do a modification in the fuse box so that the USB ports were only live when the ignition was on. I believe this basically entailed them fitting a short piece of cable between 2 sections, very minor. I paid because I worried if I did it myself and the car went up in flames, I might have a problem 😂. This mod was listed on the actual invoice so I was covered. I think I paid around £85 but decided this was worth it for piece of mind in case of any consequent issue or flat battery.
Well done you! If more people hit them in the pocket in this way the service might improve! I would follow up with a complaint too to take up some of their time dealing with it like they wasted yours, but that’s just me 😁.
My Diabetic nurse got me put on the new kid on the block, Mounjaro, a weekly injection. After 5 weeks I had to come off it as it was causing too many issues, mainly around stomach pains and headaches. I’ve a lot of other issues going on though, which doesn’t help. I lost around half a stone though and my blood results were improved. I had no issues getting it either, from my local Tesco pharmacy.
No. It’s your exemption so you can use it on any car you own.
My Motability EV is currently zero tax whereas my other car is £320 a year so it’s a no brainer.
It’s really disappointing, isn’t it? Motability used to be very much at the top end for customer service but that’s definitely no longer the case ?.
I believe that heated front seats are standard but not rears.
Yeah, no heat pump as standard is a bit pants for the list price of the car as is the lack of HUD at this trim level, IMO.
A Good friend of mine has just left the Skoda dealer after placing his order for the Enyaq 85 estate 4×4 Sportline Plus.
He was told that the car is coming off the scheme after today as Skoda have sold their allocation for the year already.
Another option is, as @kezo suggests, to go for an over 50’s policy, which is what I did due to numerous health issues. No medical questions and a guaranteed sum paid out on death. Usually there’s a 1 or 2 year qualifying period before pay-out, unless death is accidental. In that case they pay 1.5 x premiums paid.
I went with Shepherds Friendly via a company called Cavendish Online. Shepherds had the best guaranteed values and going through Cavendish got me 4 equal cashback payments of £74 each, spread over 32 months ( 8 months before each). I think I paid Cavendish a fee of £25 to set the policy up.
As @kezo says, you need to look at the costs and returns carefully but in some cases (like mine) these over 50’s policies can be reasonable. Just do your homework first.
You should never have to pay an insurance waiver. Your Motability insurance automatically covers you to drive loan/courtesy cars under the exact same terms as your scheme car.
@slightly ginger
Thanks for that. I have a Kona EV and am on Octopus Go currently. I would love to move to Intelligent Octopus. On my app it goes from Ford to Jaguar…no Hyundai to be seen ?. I’ve looked online too and it’s not there either. Very strange!!
@slightly ginger:
“i’m having difficulty connecting to octopus intelligent due to the hyundai only being in Beta”
I can’t see the Hyundai available on Intelligent Octopus at all??
@Ian has described the easiest method. I’ve never set any schedule on my last car (DS3 Crossback E-Tense) or my current (Kona EV). I’ve set my PodPoint wall charger to only charge between 12:30 and 04:30 when my Octopus Go cheap rate is active. I come home, plug in and forget about it knowing that I don’t need to do anything else.
The only caveat is if the wifi drops out. I’ve only had this happen once but there’s a failsafe where it will charge immediately in this circumstance to ensure you have a charged battery in the morning. Once in a little over 3 years I can live with.
@Gary V
TBH, it’s all about whether you can charge at home and how often you do long runs.
The 194 mile journey you describe would be no problem in my Hyundai Kona EV. I wouldn’t be flapping or worried about making it. If I estimated a conservative 4 miles per kWh then that journey would use 48.5 kWh. At my nearly at an end Octopus Go tariff of 7.5p per kWh that would cost me £3.64. At my due to start Go tariff of 9.5p that would be £4.60. A significant saving I’m sure you would agree.
The only downside is that I wouldn’t be able to replace that 48.5 kWh all in one go due to the tariff’s 4 hour cheap rate window and the home charger speed. I would need to charge over 2 days to completely recharge which wouldn’t be an issue to me as I don’t do that sort of run regularly in quick succession.
Hope this is useful, Gary. In 3 years time I’m sure that battery capacities will be better again and longer runs will be even easier. The bigger issue for higher mileage drivers will probably be the slow speed of home charging and the high costs of public charging.
Unfortunately, I can’t say I’m surprised. Anything Government gets involved in, regardless of party, turns into a cluster****.
I must admit that I haven’t been keeping up to date on this issue since I cancelled my order and took delivery of my Kona EV. Great news though for anyone who has one on order if this is finally sorted. It’s certainly took them long enough! Cheers ?.
@Omnia
I think your dealer is being very optimistic there. I would suggest 20 to 26 weeks is more accurate but will be very happy to be proven wrong.
@Brad
An RTX3080 graphics card on its own starts at £589.99 for a refurbished card on the Scan website:
To get an entire PC for £800 sounds very cheap, unless it’s pretty old but the 3080 didn’t even come out until January 2022, if I remember correctly.
I can see why Yousaf would say this, if Murrell was acting as an officer of the party but if the SNP were to pay for his legal expenses then it should come from their own party funds and be shown as such.
Tbh, I don’t know why the SNP can’t easily account for the missing 600k, which is the nub of the investigation, if everything is above board. If there ends up being proven fraudulent activity then Murrell should be made to reimburse any outlay made on his behalf.
Nice to see some MSPs aren’t prepared to go along with this quietly.
If you want to fight this ticket then the place to go is the Pepipoo website. There are experts on there that will tell you exactly where you stand. They’ve helped me in the past so I recommend them 100%. The private parking section is here:
http://forums.pepipoo.com/index.php?s=bbf25a8c607966961877f95d01d7755d&showforum=60
Forgot to mention – their help is free ?.
