Motability car through PIP query

WhenIam64

That would be ridiculous if there was.

Motability is a plain PCP lease agreement with a bank. It is no different from any contractual obligation. It is the terms you sign up to that are key.

This is what the bank (Motability) says

When you lease a vehicle on the Motability Scheme the lease agreements are typically for a period of three or five years. Customers do not have an automatic right to end the agreement early. If however, you have a valid reason to end your agreement early, you will need to call us to discuss this further.

We will need some details from you, including confirmation of whether you plan to apply for another vehicle on the Scheme. Once we have received all the necessary information, we will review your request and confirm our decision with you.

Please note that if you cancel your lease agreement we will charge an administration fee of up to £250 to cover our costs and you will not be entitled to a Good Condition Bonus . Once you have returned the vehicle any Advance Payment you have paid may be refunded on pro-rata basis. Please be aware that your eligibility for the Motability Scheme may be affected if you cancel your agreement more than three times in any seven year period.

So they are not specific on the details and if there is not good reason (whatever that is) there will be an obligation.

There are specific rules about purchasing any car on a lease agreement (irrespective if it is a Motability car or not ) such as the voluntarily / involuntarily terminating of an agreement but bear in mind it is a bank you'll be dealing with.

Morglin

WhenIam64 wrote: »

Motability is a plain PCP lease agreement with a bank. It is no different from any contractual obligation. It is the terms you sign up to that are key.

This is what the bank (Motability) says



So they are not specific on the details and if there is not good reason (whatever that is) there will be an obligation.

There are specific rules about purchasing any car on a lease agreement (irrespective if it is a Motability car or not ) such as the voluntarily / involuntarily terminating of an agreement but bear in mind it is a bank you'll be dealing with.

If you lose the mobility component, they take the car back.

If, for medical reasons, you can no longer drive the car, then they take the car back.

When a friend had to change cars, half the way through the agreement, because of her medical condition, Motability helped her with all that.

If the person leasing the car dies, they just come and collect it.

I’ve known a lot of people getting cars this way (including us) and it has never worked any other way.

No extra costs, no fine, no anything.

If the OP is concerned, then they can phone Motability for advice - they are extremely helpful.

Lin 😊

hb2

I was transferred from DLA to PIP a full 5 years before my DLA claim was 'supposed' to end and around 1 year into my first Motability car lease. I was only given the standard rate of PIP mobility so lost the right to my car. We were lucky that we were able to take out a loan and buy the car from Motability but it was a stressful time. My PIP was reassessed the following year and the enhanced mobility award reinstated but we have continued to own the car privately. I don't know what we will decide to do when this car goes to the breakers yard in the sky . . .