Girlfriend on motability insurance

pstuart

There are sufficient automatic cars on the Motabilty list at little or no advance payment.

As with all leasing companies if you want a more expensive car you will pay more - in a garage all automatic cars carry a higher list price than the manual. ones.
You can make a case for financial help towards 'hand controls' etc. depending on the severity of your condition.

Most of the Motability fleet do not have or need extra adaptations.

cattermole

pstuart wrote: »

The only government subsidy that this charity receives is £17m towards complex adaptations on vehicles for those who are severely disabled.

Their main advantages over other vehicle leasing companies is that as a charity they don't pay VAT and as the biggest leasing company in Europe (600,000 vehicles) they can command high discounts.

I can only assume that your disinformation comes from those newspapers that support the 'right' or that you are up to some mischief.

You really do have me all wrong in your assumptions. <sigh> The state is subsidising anyone who has mobility allowance for starters and please don't take that to mean I disagree with it! Yes it is true regarding the main government subsidy for adaptations.

A high performance car I would have thought must cost more because it is higher insurance and more expensive to service which is included in the scheme, whether the deposit takes account of this or not I do not know.

What I do know from personal experience is that as referred to in my post it was very difficult for people (particularly families with wheelchair bound children) to fund an appropriate car that didn't need a large deposit. And it still is difficult to fund larger cars if you have the need for one.

The value of the scheme has been capped on car value. One could argue that by restricting the number of cars as in high end models purchasing power would be greater by concentrating on the most popular, economical and practical ones. This has happened by developing cars with specialist dealers that are wheelchair assessable that now have relatively low deposits compared to 10 years ago when you could not get a a wheelchair accessible vehicle unless you had a very large deposit or qualified for support which meant you had to be on mean's tested benefits. I know from experience that the dealers that provide these vehicles have to have high turnover to do it at the cost they do and keep deposits down.

Mobility has reduced the number of vehicles it now offers on the scheme which I personally think is a good thing. And the reasons for it which are outlined in their latest Annual Report. This has lead to an increase in the nil deposit cars being available to it's customers including automatic cars.

tonyw151

Cattermole, one thing you are failing to consider is that higher value/premium cars often suffer less depreciation and therefore have a far higher resale price at the end of the lease. Motability factor all this in.

pstuart

cattermole wrote: »

You really do have me all wrong in your assumptions. <sigh> The state is subsidising anyone who has mobility allowance for starters and please don't take that to mean I disagree with it! Yes it is true regarding the main government subsidy for adaptations.

A high performance car I would have thought must cost more because it is higher insurance and more expensive to service which is included in the scheme, whether the deposit takes account of this or not I do not know.

What I do know from personal experience is that as referred to in my post it was very difficult for people (particularly families with wheelchair bound children) to fund an appropriate car that didn't need a large deposit. And it still is difficult to fund larger cars if you have the need for one.

The value of the scheme has been capped on car value. One could argue that by restricting the number of cars as in high end models purchasing power would be greater by concentrating on the most popular, economical and practical ones. This has happened by developing cars with specialist dealers that are wheelchair assessable that now have relatively low deposits compared to 10 years ago when you could not get a a wheelchair accessible vehicle unless you had a very large deposit or qualified for support which meant you had to be on mean's tested benefits. I know from experience that the dealers that provide these vehicles have to have high turnover to do it at the cost they do and keep deposits down.

Mobility has reduced the number of vehicles it now offers on the scheme which I personally think is a good thing. And the reasons for it which are outlined in their latest Annual Report. This has lead to an increase in the nil deposit cars being available to it's customers including automatic cars.

We could dance all night on this, but my card is full!

cattermole

Fair point but clearly they have gone the route of restricting car prices and trying to increase the number of nil deposit vehicles available.

cattermole

tonyw151 wrote: »

Cattermole, one thing you are failing to consider is that higher value/premium cars often suffer less depreciation and therefore have a far higher resale price at the end of the lease. Motability factor all this in.

Fair point but clearly they have gone the route of restricting car prices and trying to increase the number of nil deposit vehicles available.

cattermole

pstuart wrote: »

We could dance all night on this, but my card is full!

No problem I agree

singlehouseholder

pstuart wrote: »

There are sufficient automatic cars on the Motabilty list at little or no advance payment.

As with all leasing companies if you want a more expensive car you will pay more - in a garage all automatic cars carry a higher list price than the manual. ones.
You can make a case for financial help towards 'hand controls' etc. depending on the severity of your condition.

Most of the Motability fleet do not have or need extra adaptations.

The ones I've seen wouldn't really fit my wheelchair in the boot easily without putting the back seat down, unless I'm missing some of them? Any suggestions?
It's not that I want an expensive car, it's that I need a mode of transport to get to work and back. Used to walk but that's not an option now. As a paraplegic I think I'll be needing 'hand controls,' and hope I can get funding for them.:(
Dont know much about cars, don't know the reasoning for automatics to be more expensive than manuals.

sunnyone

singlehouseholder wrote: »

The ones I've seen wouldn't really fit my wheelchair in the boot easily without putting the back seat down, unless I'm missing some of them? Any suggestions?
It's not that I want an expensive car, it's that I need a mode of transport to get to work and back. Used to walk but that's not an option now. As a paraplegic I think I'll be needing 'hand controls,' and hope I can get funding for them.:(
Dont know much about cars, don't know the reasoning for automatics to be more expensive than manuals.

Motability is not suitable for the most severely disabled, its great for all these people who can walk and drive unadapted cars but not for people like me who are fulltime (NHS) powerchair users, especially if you want to drive from wheelchair.

You can get drive from WAVs on motability but the deposits are many, many thousands of pounds and you cant get a grant for a drive from wheelchair vehicle unless you are working or a fulltime student.

There is a huge range of hand controls available free of charge on motability vehicles, you also need an automatic if you are a hand control user.

You need a driving assessment at the regional mobility center if are thinking about driving post disability, this is free if you are in reciept of the higher rate of mobility DLA/enhansed mobility componant of PIP and they will recomend the aids you need to drive safely. Alos if you send the report to Swansea it saves you having to jump through hoops to get your licence altered too.

sandy_smith_2

This is sad to read but quite true.

The scheme works great for those who still have some, albeit limited, mobility however for those at the other end of the spectrum it's still massively expensive.

They should increase the advance payments across the board to help subsidise those who need it most - like those who actually need WAVs.

Although with the introduction of PIP, one would imagine in a few years time a significant proportion of the non wheelchair users may not even be eligible for motability any more.

sunnyone wrote: »

Motability is not suitable for the most severely disabled, its great for all these people who can walk and drive unadapted cars but not for people like me who are fulltime (NHS) powerchair users, especially if you want to drive from wheelchair.

You can get drive from WAVs on motability but the deposits are many, many thousands of pounds and you cant get a grant for a drive from wheelchair vehicle unless you are working or a fulltime student.

There is a huge range of hand controls available free of charge on motability vehicles, you also need an automatic if you are a hand control user.

You need a driving assessment at the regional mobility center if are thinking about driving post disability, this is free if you are in reciept of the higher rate of mobility DLA/enhansed mobility componant of PIP and they will recomend the aids you need to drive safely. Alos if you send the report to Swansea it saves you having to jump through hoops to get your licence altered too.