Motability car damaged whilst parked.

edited 30 November -1 at 1:00AM in Disability Money Matters
24 replies 33.8K views
lostbuyer_2lostbuyer_2 Forumite
94 Posts
edited 30 November -1 at 1:00AM in Disability Money Matters
when dropping our son of at school this morning someone must have backed into our car as the plastic over the light was broken. It is the Passenger side that was towards the middle of the road where I was parked. Now if I make a claim it would be the second no fault claim after it was damaged when parked up by kids one night. We are unhappy that for a second time we are going to have to pay £100 excess for other peoples actions. What's more our neighbour warned us that motability took their car off them for no fault claims made so we are worried and think we should fix this ourselves rather than reporting it as there is no other damage.

My Question is the neighbour correct and why should we be left out of pocket when it is someone else's fault? Would be easy to take if was some error on our part but was not and makes me mad as can ill afford wasted money like this.
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Replies

  • z1az1a Forumite
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    Tenth Anniversary 1,000 Posts Combo Breaker
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    May be worth having a look on eBay for a second hand lens, shouldn't cost much & easy to fit on most cars.
  • Hi,

    If you was dropping your Son off at School, then shouldn't there be CCTV nearby?
    Initially, I understand your fustration and worry as to why you should pay for damage again when you had no fault.

    I think that:
    There is no limit on how many claims you make to Motability.
    I think they see it as, the more claims you make, the more insurance premiums go up etc.
    I think the worst that can happen is that they may in the future on your next car etc...refuse to give you the insurance, not the car.

    I would advise you to check www.motabilitycarscheme.co.uk for info.

    Hope this helps!
  • sunnyonesunnyone Forumite
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    RSA dont publish it but they do refuse to insure people who have several claims for the motability car, its normally three strikes and your out and it mentioned on diffrent disability sites at diffrent times.

    If its just a cracked lense I would replace it myself as I would do with any car that I owned, I though it was £50 excess for a motability car (which is rediculosly low) and not £100?
  • motability website says the following:

    "Although there is no limit to the number of claims that you can make in relation to your current scheme vehicle, it is important to note that a poor claims history may result in future scheme acceptance being subject to increased insurance terms i.e. increased excess or additional premium and in some cases your claims history may even result in RSA Motability declining to provide insurance cover for any future scheme vehicles."

    Also, I am sure that it says if it classified as major damage i.e. you backed into a lamp post and the whole bumper was dented for instance, you are not allowed to replace these yourself.
    This is because the car is not yours, you are just hiring it.

    I always thought the excess was £75.00 and then you only pay when the repair work is completed.
    I'm sure I read that Motability said:

    "Many people think that when they are involved in an accident or need something repairing, they think they need to gather the money a.s.a.p for the excess but it is only needed when the garage that has been selected by motability to repair your car, need paying".
  • I think the worst that can happen is that they may in the future on your next car etc...refuse to give you the insurance, not the car.

    If RSA won't insure you, YOU CAN NOT get a car on Motability, there is no option or possibility of getting your own insurance sorry
    Opinions are like bottoms - We all have one, just some stink more than others

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  • If RSA won't insure you, YOU CAN NOT get a car on Motability, there is no option or possibility of getting your own insurance sorry

    Intranicity...
    Although not my thread, thanks for your input however; the information you have given lostbuyer is untrue.
    Giving people bad inaccurate or untrue advice in some subjects, can be really serious.
    So for all arguments sake, this is the correct version.

    All motability operations vehicles under the scheme on a lease agreement i.e. Contract Hire, are supplied with automatic RSA motor insurance.
    You are not permitted to use your own Insurance company.

    All motability operations vehicles under the scheme on a hire purchase agreement i.e. buying the vehicle, are NOT supplied with any Motability insurance.
    You have to supply your own insurance for a hire purchase vehicle.

    Motability will not refuse or obstruct you from purchasing a vehicle on Motability, as that is your right as a disabled person whilst you are still in receipt of HRMC DLA however; no insurance, no car.
    It's as simple as that.

    So your advice "Intranicity" is misleading and inaccurate.
    Just in case you don't believe me, here is the information copied directly from the Motability website.

    "Insurance is not included as part of the Hire Purchase Scheme, for any queries you should contact your own insurance provider."


    Hi,

    Lostbuyer:
    Sorry to be a pain but my disabled Husband whom is at present on the Motability scheme and he has a Motability vehicle himself, hates it when people think they know it all and give bad advice.
    He has seen this conversation thread and has given the correct and accurate information direct from the Motability website itself.:)
  • Intranicity...
    Although not my thread, thanks for your input however; the information you have given lostbuyer is untrue.
    Giving people bad inaccurate or untrue advice in some subjects, can be really serious.

    WOW...... How up your self are YOU

    The info I gave is totally correct, OP has a lease car, not a car purchased on HP.

    Also, as a matter of interest, it looks like from April, HP will not be available on the scheme anyway

    http://forums.moneysavingexpert.com/showthread.php?t=3137508

    PS, I'm on the scheme, so I do have some idea what I'm talking about, not always perfect though..... Unlike some!
    Opinions are like bottoms - We all have one, just some stink more than others

    Service Attributable Pension - War Pension - War Pensioners Unemployability Supplement - War Pensioners Invalidity Allowance - War Pensioners Comforts Allowance - War Pensioners Mobility Allowance - War Pensioners Child Allowance - Housing Benefit - Council Tax Benefit
  • WOW...... How up your self are YOU

    The info I gave is totally correct, OP has a lease car, not a car purchased on HP.

    Also, as a matter of interest, it looks like from April, HP will not be available on the scheme anyway

    http://forums.moneysavingexpert.com/showthread.php?t=3137508

    PS, I'm on the scheme, so I do have some idea what I'm talking about, not always perfect though..... Unlike some!

    The information I supplied was direct straight from "Ask MO" on the Motability website itself.
    Therefore; the information you gave was fictitious.
    It's as simple as that!

    It has nothing to do with my being 'Up myself' as you call it.
    After all, I only made the comment that you gave inaccurate information however; it is you that has begun to insult, not me so, if that is all you have got, insults then I suggest you go and insult someone else, as you most certainly don't impress me.

    Quite simply if Lostbuyer wishes to check of which one out of you and I are telling the truth, all they need to do is go straight to Motability website and 'Ask Mo' about Insurance conditions for HP vehicles.
    They will then see which one of us two is telling the truth!

    Finally,
    If you were on the Motability scheme yourself as you claim, then you would have given Lostbuyer the correct information in the first place, wouldn't you?
    Nevertheless, if you believe you are right, you just keep on quoting your information and I'll stand back and let you do all the talking, knock yourself out!
  • Intranicity is correct - if you are on the motability leasing scheme as the OP is, then you have to use RSA insurance.

    And Intranicity is also correct in saying that the HP scheme is being discontinued next month.

    By the way, I also have a motability car!
  • Intranicity is correct - if you are on the motability leasing scheme as the OP is, then you have to use RSA insurance.

    And Intranicity is also correct in saying that the HP scheme is being discontinued next month.

    By the way, I also have a motability car!

    Thank you :beer:
    Opinions are like bottoms - We all have one, just some stink more than others

    Service Attributable Pension - War Pension - War Pensioners Unemployability Supplement - War Pensioners Invalidity Allowance - War Pensioners Comforts Allowance - War Pensioners Mobility Allowance - War Pensioners Child Allowance - Housing Benefit - Council Tax Benefit
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