Buy or motability

skodafabia

sheeps68 wrote: »

Car has been orderer. My final conclusions was little difference in cost to me over a prolonged period - 5 - 6 years and wouldnt have a worry of losing car if DWP suddenly decided to re-assess my indefinate award. Final decision factor was if I had a motability car a friend would not be able to drive it on their insurance if I was taken ill without warning. And that tends to be an issue for me unfortunately. Surprised that mtability do not allow that if taken ill as it seems to be lke doctors appointments you need warning in advance you will need it. The security and peace of mind in owning car and no fear re DWP and my DLA award and knowing friends I trust can drive my car in an emergency won me over.
So nice new shiny car is coming soon.

you get your friend added as a 2nd or 3rd driver

easy

skodafabia wrote: »

People whom say Motorbility are expensive are taking utter and complete sh***.
a 14k car no deposit, insurance for 3 years included all bulbs, all servicing, all repairs, all oil top ups, as many tyres as needed free of charge for under £200 a month
A ford fiesta on a 3 year ford options lease scheme is over £200 a month. Then you have tyres and insurance on top. Motobility replace anything thats wear and tear such as bulbs, If this is a renault then say hello to £90 to replace a front light bulb as the whole bumper comes off. Most people would pay £60 a month for fully comp insurance so deduct this off £200 and your getting a new car every 3 years for £140 a month

I absolutely agree with you, for anyone who wants - or needs - the reassurance of a new car with no maintenance problems to worry about, then its a VERY good deal.

Come the time when DH and I aren't both working, and I don't have to worry about always having to be mobile every day, then I'll probably stop having motability cars, and do what I did before, buy something nearly new, financed by my DLA - or whatever the allowance gets called by then - and keep it for 6 or 7 years. But until then, I appreciate the value of having something like a high spec focus/megane/clio automatic, with a pretty minimal deposit (never paid more than £250 AP), and no worries about it in exchange for my DLA.

sheeps68

skodafabia wrote: »

you get your friend added as a 2nd or 3rd driver

Sounds simple but not having one consistent person who would always be around thats not possible and I can almost be sure that whichever friend I picked would not be the person needing to help in a crisis. Hence my decision.

paulchristofi

Have looked around at leasing deals too, and in some cases its as chaep or cheaper to lease.
Generally if you are over 35, have 5 years claim free motoring and live outside the high cost insurance areas ( in main the large cities ) it can be cheaper to lease. In some cases its possible to have a premium brand too.
Motobility premium brand £14328
Same car on lease £12750 (includes £1200 insurance (£400pa) £675 servicing and £900 for tyres, brakes etc. If like me you drive carefully its unlikely tyres or brakes will be an issue. Breakdown cover is included in the lease and some insurers will give you a no claims discount with a letter from Motability's insurers confirming your driving record.
A younger driver, someone living in central London, Manchester etc or someone with a poor driving record could pay £1500+ pa insurance which would blow the deal out of the water.

easy

sheeps68 wrote: »

Sounds simple but not having one consistent person who would always be around thats not possible and I can almost be sure that whichever friend I picked would not be the person needing to help in a crisis. Hence my decision.

I believe it is now pretty easy to change designated drivers on your motability car. I think it's just phone call to motability, and the new driver can be permitted to drive almost immediately. (providing they have an appropriate licence).

sheeps68

easy wrote: »

I believe it is now pretty easy to change designated drivers on your motability car. I think it's just phone call to motability, and the new driver can be permitted to drive almost immediately. (providing they have an appropriate licence).

it would be easy if I knew who of my friends to put on who would help me out but to cover all options I'd need to do it at last minute or have about 15 people. None of which works with motability. Also my lungs tend to give me seconds notice of going into big strop so no time to organise these things. Not to mention being virtually unable to talk at these stages. Where with my buying I'm not putting names down but whoever helps me out will be driving on their insurance anyway. and I can name people to put on my insurance if I anticipate issues. Have also in the past had an any driver aged 30+ on my insurance.

anyway jus under 4 weeks until I get my new car so all decided for me for now.

rogerblack

sheeps68 wrote: »

Where with my buying I'm not putting names down but whoever helps me out will be driving on their insurance anyway.

Check this.
Firstly, some insurers (as I understand Norwich Union) will not do this at all, and most others it's on a per-driver basis.
In addition, as I understand it, your car will be covered for third party only, when driven in this manner, so damage to your car when being driven by anotehr driver is not counted.