Motability insurance

Sophie1605

Hi everyone,
My mum has a car from motability, and has my younger 18 year old brother insured on it with the RSa. Unfortunately, he has had an accident in the car today, and although both parties are generally ok, just a little shaken, we are worried about a possible claim that could be made for back injuries etc.
Is there any reason why the insurance company could wriggle their way out of this.....ie.my brother is allowed to drive this for his own leisure time isn't he? My mum is the main user of the car, and makes good use of it, it's been a life line for her, but what we are worried about is: was he only allowed to drive the car to do jobs for my mum, or is it perfectly acceptable for him to drive himself to the gym etc?
Any help would be appreciated, the household is thankfully everyone is ok, but is quite anxious.

Poppa_G

you mean he was nipping the shops for your mum

oldhand

Your quite correct to be worried,the motability car is supplied for the use of the person receiving the motability allowance.The named driver on the insurance ie your brother is allowed to drive the car when its being used for your mother either transporting her or in connection with her,doing her shopping for instance,it most certainly is not for his use to go to the gym.The insurance company wont/cant wriggle out of a genuine claim but depending on what your brother has told the police and the insurance company about where he was going and for why it may cause problems certainly for him and possibly for your mother with them.

Poppie68

Am i right in thinking the excess is considerable higher for a driver of a mobility car if under 25?...If so this could be a hefty cost if the 18 year old was at fault.

Jahlove

Sophie1605 wrote: »

.my brother is allowed to drive this for his own leisure time isn't he?.

No and if motability become aware of this you could be in trouble, it must be used in aid of the disabled person.if he was just nipping to the shop for your mom then its fine, but not if hes just using it for his own use.

Richie-from-the-Boro

Sophie1605 wrote: »

Hi everyone,
My mum has a car from motability, and has my younger 18 year old brother insured on it with the RSa. Unfortunately, he has had an accident in the car today, and although both parties are generally ok, just a little shaken, we are worried about a possible claim that could be made for back injuries etc.
Is there any reason why the insurance company could wriggle their way out of this.....ie.my brother is allowed to drive this for his own leisure time isn't he? My mum is the main user of the car, and makes good use of it, it's been a life line for her, but what we are worried about is: was he only allowed to drive the car to do jobs for my mum, or is it perfectly acceptable for him to drive himself to the gym etc?
Any help would be appreciated, the household is thankfully everyone is ok, but is quite anxious.

- no - you brother using the for his own leisure time is not legal
- your mother and brother would know this, its in the agreement which as named parties they should have read
- its also in the Motability Handbook [page 25 ] which as responsible people they will both have read
- the insurance and loss and damage excess will be lower because your brother did the PASS PLUS driver training course - did he ?
- ABI Group rating 16 or less, with a power output of 115 BHP and the under 21 year old must live at the leaseholders address - does he ?
- much else depends on which party is at fault, if your bother is convicted of a motoring offence, not may telling the insurer immediately may invalidate your mothers protection

Since this January amongst other reasons the Scheme may fit a tracker device to your mothers car if they feel its use by your brother was unprovable, however if the are convinced of the argument that your brother was using it for his ["""is allowed to drive this for his own leisure time isn't he?"""] they may at least refuse to insure him or may even refuse the Motability scheme to your mother who would be complicit in allowing its wrongful use. For myself your brother clearly was not ["""is allowed to drive this for his own leisure time isn't he?"""] doing anything anything other than an illegal act and both he and in this case your mother were guilty of this.

The disabled should act honourably .. .. get your own house in order before Davy boy and his welfare thugs get an even tighter grip on the disabled, its precisely because of this behaviour that the rules for Motability and indeed the Blue Badge Scheme were changed.

Parva

Couldn't agree more with the above. My son does use my Motability car but only ever to do shopping and things for me when it's too difficult for me to venture outside. Behaviour such as this is and the blue badge abuse is undoubtedly part of the reason that such a big stick is suddenly being wielded on the many genuine people with disabilities sadly.

luminated

Parva wrote: »

Behaviour such as this is and the blue badge abuse is undoubtedly part of the reason that such a big stick is suddenly being wielded on the many genuine people with disabilities sadly.

Spot on and exactly what I feel.

Like you (may have) I have gone from being fairly able (two years ago) to needing a wheelchair, walking stick (for the few yards to the car), claiming DLA (HRM & MRC).

Two years ago I never thought about Blue Badges or Motobility cars but now I do and find myself getting so angry with the widespread and so obvious abuse that could see genuine folks, in real need, losing one or both. Even the genuine ones who will not lose are still going through horrendous stress in case they may lose.

Mini rant over - until the next one

harveybobbles

Just hope someone from Motability isn't a member on here - could easily be traced by the date of the accident and the people involved could then be in the 5hit..

anguk

Poppie68 wrote: »

Am i right in thinking the excess is considerable higher for a driver of a mobility car if under 25?...If so this could be a hefty cost if the 18 year old was at fault.

Not only is the excess higher for an under 25 but the mum could find herself having to pay a large sum of money to Sun Alliance to insure her next Motability car. Sun Alliance could even refuse to insure the car so she wouldn't be able to have one.

I know of a few people who have had to pay more than £1000 excess insurance at the beginning of their contract because they've had a few claims on their previous car and Sun Alliance have said they are a bad risk. I also know of one person who had his car stolen twice and Sun Alliance refused to insure him which meant he lost his Motability car.

It really isn't worth taking the risk of abusing the scheme.

NAR

Also Sophie if RSA refuse a personal injury claim, which they are within their rights to do under the circumstances you outlined in post #1, then your brother might be sued for personal injuries by the other party in a civil case.