Motability good value?

tenacioust123

I have recieved HRM for the last 6 years and thought long and hard about getting a car on Motability.

I currently have a good reliable car 03 plate which I have had for 5 years, I drive about 4000 to 5000 miles a year. My tax is free because of my HRM, insurance costs me about £250 a year. Because of my low milage up keep is very little, it's sailed through the last 3 MOT's. I have had one set of tyres, brakes and a new battery since I bought it.

If I got a car from motability it would probably cost me about £2000 up front as I need a certain type of car (auto, higher up) then it would cost me about £200 a month in benefits at the end of 3 years I would lose the money I put down on it and have to find more.

For someone like me I do not see the benefit.

Tina

woodstoke

I have a daughter who is severely disabled in a wheelchair so our requirements as a family are quite rigid.....after speaking with mobility i would have to make an initial down payment and the lease would be 5 years for a wheelchair minibus. the downpayment would have been around £4,000 depending on make of vehicle (but there is a grant to help low income families to help with this), After doing the sums £45.00 mobility allowance for 5 years plus the down payment we figured it was too much, plus there is a limited mileage and any extra you pay a price per mile. We ended up buying a fiat doblo on ebay, 4 years old already adapted for £2,000 low insurance, mobility road tax, so it worked out better for us not using the mobility car hire scheme.

*Chattie*

When my son was younger we looked into it but decided it was going to work out more expensive for what we needed.

sunnyone

sheeps68 wrote: »

I chose against motability for insurance reasons. Should I improve health wise and no longer qualify for dla if I'd been on motability scheme I would lose my current no claims bonus I currently have.

I have my first motability car and 10 years NCB, to protect my NCB we have had the insurance on our other 2 cars changed from me being a named driver to main driver for a couple of months, I do drive one of the other cars and its cost nothing for us to protect my no claims and I have the letter from my last insuror and our other cars current insuror if I decide to go back to buying new zero rated VAT cars again.

TOBRUK

I wasn't aware that if you chose a motability car that it would affect your no claims bonus. Can you explain why, sorry I may be a bit thick;)

wazza

TOBRUK wrote: »

I wasn't aware that if you chose a motability car that it would affect your no claims bonus. Can you explain why, sorry I may be a bit thick;)

When you take out a mobility car you are insured by them, through Sun Alliance i believe, on a fleet insurance. Your current NCB are not used. If you do not use your NCB within 2 years it expires. One way around this is to buy an old banger near the end of the second year and insure it.

nickyt

Thought I would just let you know that when I was ringing around for insurance that companies would give me full now claimes bonus as long as I had not had a claim on my mobility insurance. They even did the same for my partner who was a named driver on my car. All you have to do is ask and they give it well all the ones I asked did.

wazza

nickyt wrote: »

Thought I would just let you know that when I was ringing around for insurance that companies would give me full now claimes bonus as long as I had not had a claim on my mobility insurance. They even did the same for my partner who was a named driver on my car. All you have to do is ask and they give it well all the ones I asked did.

which company offered you the above?

Limana68

Hubby has a car on mobility- it is a godsend to be honest- not having to worry about paying for MOT, Servicing and tax and Insurance. Before that we had a clapped out Mondeo which we were forever spending money on, so its worked out great for us. We now have a reliable new car to help hubby to get out and about.:D

Saversue

wazza wrote: »

When you take out a mobility car you are insured by them, through Sun Alliance i believe, on a fleet insurance. Your current NCB are not used. If you do not use your NCB within 2 years it expires. One way around this is to buy an old banger near the end of the second year and insure it.

I had no idea that you lost you NCB, thanks for the info.