Motability car through PIP query

Spoonie_Turtle

poppy12345 wrote: »

Yes, insurance included. The only thing you pay for is your fuel. I just collected my 2nd mobility car :beer:

Awesome! We didn't realise that. Our only concern was what would happen if I lost the enhanced award later on, but thinking about it we'd be able to save some of what we would otherwise be paying on tax and insurance for those years, just in case.

It really does seem a no-brainer! :T Enjoy your new car :j

calcotti

bspm1 wrote: »

Why is this incorrect?

It’s badly worded because it says

JamesMotaClarity wrote: »

Yes, if you go for a car that says Total Allowance it will cost all of your award

although the following text does make clear that the poster only meant the Mobility component.

bertiewhite

WhenIam64 wrote: »

We each make our own economic decisions, and the comment was aimed at being able to have a car and some surplus cash. The comment about lack of credit is noted.

I'm still confused about why you're talking about saving money and credit when it comes to motability though?

bertiewhite

Spoonie_Turtle wrote: »

Is the insurance paid for as well? It almost sounds too good to be true!
(Genuinely asking, I haven't applied for PIP yet but expect I will qualify for enhanced mobility - though fully aware I may have to fight for it.)

Even servicing & consumables tyres are included - you just phone the number provided and they send someone out. You really only have to put fuel in it. You're allowed to do 60K miles over 3 years.

WhenIam64

I'm still confused about why you're talking about saving money and credit when it comes to motability though?

Sorry. It's a side issue. I work with people where £6 pw is a lot and being able to afford £61 pw over 3 or 5 years looks generous. I know that PIP shouldn't be used to underpin normal (as opposed to additional) living expenses but different people have to make different decisions.

poppy12345

WhenIam64 wrote: »

Sorry. It's a side issue. I work with people where £6 pw is a lot and being able to afford £61 pw over 3 or 5 years looks generous. I know that PIP shouldn't be used to underpin normal (as opposed to additional) living expenses but different people have to make different decisions.

As motability pays for everything except fuel then for me it works because it would cost me a lot more than my mobility allowance to keep a car on the road. As i've never seen that extra payment anyway, i'm not missing out.



Worry free motoring works ever time for me.

WhenIam64

Worry free motoring works ever time for me.

Quite correct. Why have another worry

But where I was trying to get to is that a Motobility contract is either a £10,000 commitment (3 years or a £16,000 commitment (5 years). There is a cost to break the contract.

I was lamenting the lack of a £5,000 or £8,000 commitment so that more of the mobility element was left over. The mechanics (pun) of supplying a second hand car on the same basis as a brand new car is the same. The only difference between £5,000 (second hand) and £10,000 (new) is depreciation plus a bit of risk of additional maintenance.

The issue (getting people from A to is solved whether it is a new or second hand car. All that appears to be happening is Motobility sucking up as much cash as they can. It is termed a "charity" but is actually owned by Lloyds Bank. Maximising their take of the PIP mobility component appears to be their target.

Spoonie_Turtle

WhenIam64 wrote: »

Quite correct. Why have another worry

But where I was trying to get to is that a Motobility contract is either a £10,000 commitment (3 years or a £16,000 commitment (5 years). There is a cost to break the contract.

I was lamenting the lack of a £5,000 or £8,000 commitment so that more of the mobility element was left over. The mechanics (pun) of supplying a second hand car on the same basis as a brand new car is the same. The only difference between £5,000 (second hand) and £10,000 (new) is depreciation plus a bit of risk of additional maintenance.

The issue (getting people from A to is solved whether it is a new or second hand car. All that appears to be happening is Motobility sucking up as much cash as they can. It is termed a "charity" but is actually owned by Lloyds Bank. Maximising their take of the PIP mobility component appears to be their target.

I completely understand where you're coming from. The most we've ever spent on a car was just slightly over £1000, and in the 6 years or so of owning it I don't think even with insurance, MOT and repairs we've spent anywhere near £9000 keeping it running. That, I admit, is a cause for hesitation - it is a lot of money to pay for peace of mind ... I guess the question for each individual is, 'is it worth it?'. For many, it seems to be. For others it's not - and I personally know people who've made both of those decisions.

Thank you for spelling it out. Not a total no-brainer, but for those who've never seen that extra payment anyway like poppy says, it is at least hassle-free and with no other costs on top. Interesting.

50Twuncle

WhenIam64 wrote: »

Quite correct. Why have another worry

But where I was trying to get to is that a Motobility contract is either a £10,000 commitment (3 years or a £16,000 commitment (5 years). There is a cost to break the contract.

I was lamenting the lack of a £5,000 or £8,000 commitment so that more of the mobility element was left over. The mechanics (pun) of supplying a second hand car on the same basis as a brand new car is the same. The only difference between £5,000 (second hand) and £10,000 (new) is depreciation plus a bit of risk of additional maintenance.

The issue (getting people from A to is solved whether it is a new or second hand car. All that appears to be happening is Motobility sucking up as much cash as they can. It is termed a "charity" but is actually owned by Lloyds Bank. Maximising their take of the PIP mobility component appears to be their target.

Sorry - but are you implying that if a customer breaks the 3 year contract - they will be charged £10k ?
If this is the case - what happens if DWP decide to cancel someones entitlement mid-contract ?

poppy12345

50Twuncle wrote: »

Sorry - but are you implying that if a customer breaks the 3 year contract - they will be charged £10k ?
If this is the case - what happens if DWP decide to cancel someones entitlement mid-contract ?

No, that's not what the OP was implying. If you hand back your car early then you lose the good condition bonus but there's definitely nothing to further pay. That would be ridiculous if there was.