Motability car damaged whilst parked.

todolistsocd

sueturnersmith wrote: »

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!

Please read posts correctly.

I said:
"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."

You are only allowed to use your own insurance when you HP with Motability.
As said below!!!!!

Also, at no time, did I say that intranicity was wrong about HP Motability ending....

Like I said above, if you people are going to quote, please get it right!

paddedjohn

todolistsocd wrote: »

Please read posts correctly.

I said:
"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."

You are only allowed to use your own insurance when you HP with Motability.
As said below!!!!!

Also, at no time, did I say that intranicity was wrong about HP Motability ending....

Like I said above, if you people are going to quote, please get it right!

Do you want to lend a torch? it must be dark that far up your ar*e.
The information given to the op is relevant to their situation, their car is on lease not hp, so it wasnt lies as you say, even if someone does give info that turns out to be wrong its no reason to call them a liar.

korky69

lostbuyer wrote: »

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.

getting back to the problem, i speak from experience here,
unless you can find the culprit, repair it yourself if its minor damage,

if you claim, it stays on RSA files for 5 years, and if you were to make over 3 claims they can refuse insurance when next lease is due, or demand a one off payment and raise their excess,
which i believe is at £75 now.

intranicity

To do lists OCD.... (Say's it all!)

You really need to practice what you preech! Statements like

todolistsocd wrote: »

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.

However well intentioned are incorrect, it is well known that RSA will refuse to insure you if you make to many claims, understandable, but harsh as well. You also need to learn to read context into an OP's initial message, this WHOLE thread is about Motability CONTRACT HIRE and that makes a huge difference on the advice given!

Just quoting a web site carte blanch, isn't always the best idea either, what a company puts on a website and what happens in practice are often very different.

It is also much more advisable to be polite to people if you expect the same in return, making statements that you are right and someone else is wrong can be made politely, comments like "are you sure that this is the case" etc work much better, comments like this will cause you problems, especially when you are incorrect in the first place

todolistsocd wrote: »

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.

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."

Then making personal asides to the OP about other people is just plain rude and ignorant!

todolistsocd wrote: »

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.:)

If you feel the need to dispute something, learn some manners and how to do it politely, and rather than just quoting totally irrelevant information from a website, learn to read what is being talked about, compare Apples with Apples!

Also, telling someone that they are giving bad and inaccurate info, then taking side swipes at them, despite what you may think is VERY INSULTING and RUDE, even if the information was wrong (Which it isn't), you did far more than the just "I only made the comment that you gave inaccurate info"

todolistsocd wrote: »

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.

Also comments like:

todolistsocd wrote: »

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?

I am on the scheme, not that I need to justify it to you or anyone else, I have given the CORRECT information, just bare in mind when making these statements though THAT YOU PERSONALLY ARE NOT ON THE SCHEME!

Then telling other posters that they need to read correctly is patronising in the extreme:

todolistsocd wrote: »

Please read posts correctly.

I said:
"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."]

You are only allowed to use your own insurance when you HP with Motability.
As said below!!!!!

Also, at no time, did I say that intranicity was wrong about HP Motability ending....

Like I said above, if you people are going to quote, please get it right!

Once again, you spout on that YOU KNOW you are correct, when you are not correct in that you are now going on about

A, Something that is irrelevant, The OP isn't using HP, they are on Contract Hire and

B. HP appears to be ending, so if they did end up making too many claims and RSA decided not to insure in the future, that option would not even be there, so avoiding making small claims on RSA is very sensible, in fact as you stated yourself

todolistsocd wrote: »

Giving people bad inaccurate or untrue advice in some subjects, can be really serious.

So advice that they can insure a car themselves, is factually true, anyone can insure a car, but the important fact is that only RSA can insure a Motability Car on Contract Hire, and making excessive claims can lead to you being unable to have a vehicle on the scheme, and the fact that HP is there, makes no difference to that, but the fact that HP will be no longer available makes your advice quiet possible a very serious error and could possible leave someone without a car!

Rant over :mad:

PS

paddedjohn wrote: »

Do you want to lend a torch? it must be dark that far up your ar*e.
The information given to the op is relevant to their situation, their car is on lease not hp, so it wasnt lies as you say, even if someone does give info that turns out to be wrong its no reason to call them a liar.

Cheers for that mate, made me smile lol :o

jennie-jack

is it just the insurance that has a 3 times limit or is that for tyres and glass too as i have only had my car 2 months and needed a new tyre.

Richie-from-the-Boro

lostbuyer wrote: »

when dropping our son of at school this morning someone must have backed into our car as the plastic cover 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.

Your question on why should we be left out of pocket when it is someone else's fault.

The responsibility, is yours.

That responsibility can be transferred to a~n~other party if the police and / or / courts can prove it, until that time the costs and penalty's are quite properly yours.

That £50 light cover could just as easily been a £5,000 cost, who do you should think should be responsible other than yourself. ? If you and many thousands of others were able to avoid the individual cost then collectively we would all pay for it, this would mean that :

- I pay for your plastic cover because you don't want to, and ;

- millions of drivers would no longer need to be diligent, road-anarchy would prevail, the costs would sky rocket. and ;

- the scheme would be cancelled / curtailed as it would become cost-ineffective.

You certainly should """ fix this ourselves rather than reporting it as there is no other damage """ - its your vehicle. Even if you were not in the Motabilty scheme you would still have to pay for it one way or the other. If you claimed this light cover you would have to pay another £100 excess, what if you have another half dozen more claims for ' incidental ' damage by others making 8 in total .. .. .. and for example 90% of the others Motability members made no claims at all - zero. It shows that you are a much higher risk and should have your insurance withdrawn or a very large premium applied to you.

I'm sorry that your car has been damaged twice by other people but everything in motoring has a cost including incidental costs such as yours. Think yourself very fortunate that the Motability scheme even exists and fix it yourself. The excess charge will make you much more careful where you leave your car in future, you will begin to calculate not only what's convenient for you but even if it's a safe place to leave it unattended at all.

Carry a little digital camera, fully charged at all times.

jennie-jack

i dont agree with you above. accidents happen they arent your fault. thats like saying oh did you get hit by a car well you shouldnt have been walking then it wouldnt have happened. its not like the drivier took a huge risk like parking on the motorway. you dont expect for someone to plow into you when you arent moving, its not like they cant see your car.

also insurance is there for a reason, if they found out who did then of course they should claim it from their insurance. if it will be cheaper than 100 excess then fix it.

i dont get why you go on about it.

Richie-from-the-Boro

jennie-jack wrote: »

i dont agree with you above. accidents happen they aren't your fault. that's like saying oh did you get hit by a car well you shouldn't have been walking then it wouldn't have happened. its not like the driver took a huge risk like parking on the motorway. you don't expect for someone to plow into you when you aren't moving, its not like they cant see your car.

also insurance is there for a reason, if they found out who did then of course they should claim it from their insurance. if it will be cheaper than 100 excess then fix it.

I don't get why you go on about it.

That's what I said, do it yourself or claim for it and pay the excess, and each time ' someone else ' damages your car do it yourself or claim for it and pay the excess, and again and again do it yourself or claim for it and pay the excess. Prove it was someone else or do it yourself or claim for it and pay the excess.

korky69

jennie-jack wrote: »

is it just the insurance that has a 3 times limit or is that for tyres and glass too as i have only had my car 2 months and needed a new tyre.

dont know 100% sure, but the insurance does not come into it re tyres, thats a contract that motability and kwik-fit have,
though if it was to show that you might have been skidding a lot they might pull you, but as for genuine punctures then no

easy

jennie-jack wrote: »

is it just the insurance that has a 3 times limit or is that for tyres and glass too as i have only had my car 2 months and needed a new tyre.

Jennie-jack, Why don't you dig out your motability agreement and check on the terms? It's what the rest of us do - some of us actually read thru the agreement when we got the car.

You'll need to check, but I think you are entitled to 2 full sets of tyres (so that is 8 tyres, OK?) over the 3 years of the lease. So replacing 1 tyre shouldn't be a problem - unless you are going to do millions of miles/drive like a boy racer over the rest of the lease - I got a nail in a tyre 4 days after acquiring my last car. If you need more tyres than that, you will need to pay for them yourself.

To the OP, definately sort out this broken light yourself. Yep, it's annoying, but !!!! happens in life - whether you are disabled or not.

In future, try to park in a less vulnerable place/don't park quite so close to another car so it's difficult for them to get out - I tend to go to the school run slightly early in the morning and late at teatime - only by 5 mins or so -, so missing the worst of the rush .