I currently got a 2008 octavia vrs but I've become a bit disabled over the years need my hip replaced ect

Now I need an automatic and I can get a car on the mobility scheme. Has anyone got experience with this. I like the look of the new leons and noticed you can get them and they cover the insurance and everything. but would i be better off getting a used one and putting the money towards that instead

?

Does a hip replacement successfully carried out get you PIP and allow the lease of a car for 3 years from Motability?

 

I expect to have my car taken away anytime now, and i will have 3 weeks to hand it back and might get £200 for doing it in that time.

That is me with 1 leg and arthritis in both hips.

 

I know people that can not walk, can not walk the 2 lengths of a bus that the Assessment has as the distance you should not able to walk that have had their Benefit Removed, lost their cars, lost all quality of life.  Had to fight using the CAB to get through the Appeal and been housebound for months.  People even losing jobs because of low incomes, loss of a benefit / allowance, & the Motability Car and no other means of transport.

http://mirror.co.uk/news/politics/benefit-bosses-axe-ms-sufferers-10188400

 

 

You need to work out if the £59.75 a week for a New car for 3 years with no Servicing or Insurance or VED to pay is worth it.

Are you looking at one with NIL Advanced Payment?

 

So £8.53 a day for a car.   £3,039 a year & £9116 over the 3 years and then hand it back.  Paying Advanced Payments or paying for extras is just a bit silly IMO.

http://motability.co.uk 

There are usually cars on the Quarters list that Manufacturers are wanting shot of and a real good price with Motability.

Some cars that were previously over priced, not selling and they need to punt.  Vauxhalls like that were common, and Fords, 

& actually Skoda, SEAT's and sometimes VW's.  Not sure just now as you are at the time of WLTP, and lots of confusions 

so be sure cars being ordered can be delivered as there are a few upset customers around the country as the 'Trained Motability Salespeople' 

were making promises not possible to keep and getting 'Forms Filled' and Motability Approval on the car, and then not 12 weeks, not 16 weeks, still waiting.

http://seat.co.uk/Motability 

Example is spotted. Mazda CX-3 2.0 SE-L Auto...

 

It means you might be able to get a £20,000-£25,000 - over £30,000 RRP car that suits your needs.

If you need a cheaper car you can get one at Dealers for £99-£199 Deposit & Under £150 a month. so Maybe £2,000 a year including Insurance & Servicing.

13 x £150 =£1,950.   13 x £150 = £5,850

156 x £59.75 of your benefit is £9,321.

 

Many that have lost DLA / PIP and had cars taken back got their £2,000 the Government paid and did exactly that, went and leased car.

They get a car and still have money for fuel to run a car.

 

I know ones that then won their appeal, got the backdated 7 months money and are not going back to Motability Finance for a car.

Motability the Charity suits some, it gets them mobile. 

It gets the CEO of the charity hundreds of thousands a year in pay and other seniors.

Once the Government / MP's get the enquiry done maybe cars will cost less to those Disabled or Families with Disabled needing a car 

& there will be less abuse of the System and the Motability Management on the Gravy Train.

http://briskoda.net/forums/topic/399711-are-you-on-the-motability-scheme 

 

 

Edited 15 September, 20187 yr by Offski

I've been entitled to a car via the Motability Scheme for around 20 years.  Not yet seen the benefit in doing it, so haven't.  I prefer cars to be mine, not someone else's.

 

All a case of perspective.  If you want hassle free motoring it can be a good thing.  The only issue is usually the cost of any damage when handing them back.

 

I see it as dead money.  More financially viable - in my opinion - to buy the car you want after the first hit of depreciation has happened, and then keep it well looked after.

 

Gaz

Edited 16 September, 20187 yr by V6TDI
Typo

4 hours ago, V6TDI said:

I've been entitled to a car via the Motability Scheme for around 20 years.  Not yet seen the benefit in doing it, so haven't.  I prefer cars to be mine, not someone else's.

 

All a case of perspective.  If you want hassle free motoring it can be a good thing.  The only issue is usually the cost of any damage when handing them back.

 

I see it as dead money.  More financially viable - in my opinion - to buy the car you want after the first hit of depreciation has happened, and then kept it well looked after.

 

Gaz

 

Curious what you mean about "cost of any damage when handing them back"

Aslong as your car isn't dented, missing body parts, cracked lights and windows. If you take care of your car you'll never pay anything to hand it back.

 

The way I see it.

Its a hassle free lease car. benefit pays for your monthly payment. You only pay fuel. works out a better deal than any car I could get in the long run and no nasty surprises.

 

Scheme has change a lot in the last 20 years,

 

Who else can get a brand new Octavia VRS for 3 years and only pay £2000 upfront for the privilege, You just pay fuel. servicing insurance, tyres are all included.

 

 

 

Car is supposed to be inspected at each time in at a Main Dealership, and with Variable / Flexible Servicing that might only be twice now before the Inspection before hand back and MOT before the hand back.

It was £75 to pay for each insurance claim repair but maybe that has changed.

If someone dinged your car, maybe 3 dings at different time, that was 3 actual repairs and you were asked foe £75 x 3.

Wear and tear was an issue, as was the 12,000 mile limit annually then a mileage charge.  But that changed years ago and now it is 20,000 miles annually 

and you get money back on a 'Good Condition' car being returned.

You can take care of a car as much as you like but even parking in Disabled Bays does not guarantee it going undamaged, 

or wear and tear of being used by people with disabilities, wheel chairs, walking frames etc, and somehow Motability seemed to be a bit lacking on the thought about that.

(Maybe those on the schemes fault for picking the wrong vehicle, well that was what some were told, maybe they have changed their attitude.)

 

£2,000 up front & £9,116 for 3 years is £11,116,  for a car for 3 years that would maybe have been £750 for Insurance & £400 on services then the VED then 3 year lease.

Maybe others know the cost of that leasing a Octavia vRS for 3 years.

 

PS

Kwik Fit refusing to change my front tyres even though the Skoda Dealership Master Tech advised a Wheel Alignment and new tyres, 

but seeing as Autumn is here already and frosty and wet sometimes then it is going this week to have that done without any argument from a 'fitter' or Branch Manager, or SEAT can get a Master Tech to check.

Then my Winter Tyres/ Wheels will go on as they did last year, 

because i chose the wrong car, one sold in the UK that comes with ECO tyres so is not much good for disabled people that might need to get around in Winter.

Makes no Difference if you get a Skoda Kodiaq, they come maybe on All Seasons, no use in All Seasons though if there is plenty snow or ice.

Edited 16 September, 20187 yr by Offski

12 hours ago, T00mm said:

Curious what you mean about "cost of any damage when handing them back"

As long as your car isn't dented, missing body parts, cracked lights and windows. If you take care of your car you'll never pay anything to hand it back.

 

Quite so.  Hand back a clean car without damage and you'll have no problem.  As George has alluded to, people who use the Motability scheme will have a variety of impairments.  Some will use wheelchairs, and if they're unable to weight bear, the wheelchair will need to be close to the car in order to transfer and it's quite usual for sills and A pillars to sustain the occasional clump or scratch.  The same for if a hoist is used to lift said wheelchair into the boot.  And the same if a carer is putting a manual wheelchair into the boot, or a zimmer, or rollator, crutch, walking stick, or other piece of adaptive equipment. Dead easy to damage the paint around an A pillar door latch with a Car cane/handy bar - image here shows the lump of hard metal you're putting through a lock piece:

https://www.completecareshop.co.uk/car-and-travel-aids/car-transfer-aids/handy-bar-view-large?gclid=EAIaIQobChMIzrKc1pW_3QIVgrTtCh2McgmFEAQYAiABEgIOsPD_BwE

particularly if you have the shakes, or maybe a bunch of keys in your hand at the same time.  Even soft Car Caddie's can damage paint around a car door frame.

 

12 hours ago, T00mm said:

Scheme has change a lot in the last 20 years,

 

Agreed.  It's moved on a lot since 1980 when my parents very nearly got me one of the blue three-wheeled Invalid Carriages.  I look regularly, and it's still not for me.

 

12 hours ago, T00mm said:

Who else can get a brand new Octavia VRS for 3 years and only pay £2000 upfront for the privilege, You just pay fuel. servicing insurance, tyres are all included.

 

Not just 'only £2000 up front', but, as George has also pointed out, a significant monthly payment, often the entirety of the benefit that's paying for it (in the case of high rate DLA, that's £239 every four weeks).  I've had a good rummage, but I can't find an Octavia vRS on the Motability website for the life of me.  My view is that there are a lot of options, for that kind of money, outside the scope of Motability.

 

Gaz

 

Edited 16 September, 20187 yr by V6TDI

No Octavia vRS presently because no WLTP.

No 2.0 TSI's available because no WLTP.

 

But soon the 1.0 TSI & 1.6 TDI SCR engine cars will be at low advanced payments.

Eventually the higher emission cars will be back available, once there are enough being built and VW Group want to shift them.

1 hour ago, Offski said:

No Octavia vRS presently because no WLTP.

No 2.0 TSI's available because no WLTP.

 

Doh! 'course 

Hyundai Ioniq 1.6 GDI Hybrid is on the list @ £99 advance payment and VW Golf SV 1.0 TSI DSG for Nil.

http://motability.co.uk 

 

There used to be Nissan Leaf & quite a few about from Motability, need to have a nosy now to see if Motability are doing affordable EV's as if you are getting free or cheap electricity / charges then maybe more financially sensible for some.

(Motability Finance likely lost too much money with the Leaf going through BCA considering how much depreciation there was on them.)

Edited 16 September, 20187 yr by Offski

As a non profit organisation (banks) with over 3 billion ££££££££ being held in the coffers are mobility users being overcharged or are the government (tax payers) over paying into the scheme ?

The Big Banks got control of the money in 2008 when the banking crash happened. That was something that was not made very clear.

Then Motability Finance was very much more about turning over cars.

Before that returning a car was a big deal, after that it was quite easy to return one before 3 years and get another.

 

I twice bought cars using the HP that you could borrow, 4 years on a used car and 5 years on a new one.

The first car i still own 15 years later.

The 2nd one i paid for almost 4 years and them Motability Finance changed and i was told i now owned the car and was let off with 57 weeks payments.

 

I was dead chuffed obviously as the car cost me less than if i had paid cash on it as that covered the Interest for 5 years and i had got a good deal buying it anyway.

Plenty others were not required to pay off the money they had borrowed.

 

I remember watching Margaret Thatcher MP in 1980 handing over keys of an Austin Metro.

Plenty patrons have had nice trips and lunches at others expense ever since and then lots of others earn very well out of it.

Motability_Annual_Report_08.pdf

Edited 16 September, 20187 yr by Offski

Im still in need of having my other hip replaced so i can still barely walk sometimes.

I was thinking about the seat leon 1.8 they require 2-300 advanced payment. But like some of you have said you don't own the car after 3 years.

However I currently spend about 1k a year on insurance (it seems to be rising every year), about £500 goes on maintenance may be more. £200 a year on breakdown cover.

so approx 2k a year keeping the car on the road. All the cost of the mobility car would be £3000 a year so roughly £1000 more then what i currently spend. 

I was initially against getting one on the mobility scheme but its the fact they insure it for you which has my head turned. 

If i can find a deal on a car with free insurance and end up keeping the car i would rather do that. as the insurance in my area seems to keep increasing. 

I was paying about £700 3 years ago when i bought the car and would have expected it to go down. 

Are there insurers who offer disabled people cheaper insurance

With insurance like that i would not hesitate to go with Motability.

You used to lose your NCB if you had no insurance while on the Group Insurance, now you just get a statement saying with Motability for 3 years no accidents or what ever if you want to get another car.

I used to always have other cars when Motability was 12,000 miles a year as i needed that just for getting to and from work.

 

The other thing with Motability was and is no Credit Checks, if you get the DLA or PIP you are accepted onto the scheme.

 

?

Are you getting 'Free VED' now,  with your cars class 'Disabled' and an Exemption from VED?

Edited 17 September, 20187 yr by Offski

25 minutes ago, Offski said:

With insurance like that i would not hesitate to go with Motability.

You used to lose your NCB if you had no insurance while on the Group Insurance, now you just get a statement saying with Motability for 3 years no accidents or what ever if you want to get another car.

I used to always have other cars when Motability was 12,000 miles a year as i needed that just for getting to and from work.

 

The other thing with Motability was and is no Credit Checks, if you get the DLA or PIP you are accepted onto the scheme.

 

?

Are you getting 'Free VED' now,  with your cars class 'Disabled' and an Exemption from VED?

yes im getting free ved, Hence willing to go with a 1.8 petrol lol

The 1.8 TSI 180 PS DSG's are crackers, but best check that really if the Salesperson takes your order SEAT can get you the car.

 

If you are told yes, and fill in the forms be sure the order is in this week, and you get a build date if one not available built now.

You fill in the application form for Motability with them, choose the car colour etc and they put an approximate delivery date.

If the Sales person is BSing you i can go to a trusted 'Salesperson this week' and check for you.

Edited 17 September, 20187 yr by Offski

34 minutes ago, Offski said:

The 1.8 TSI 180 PS DSG's are crackers, but best check that really if the Salesperson takes your order SEAT can get you the car.

 

If you are told yes, and fill in the forms be sure the order is in this week, and you get a build date if one not available built now.

You fill in the application form for Motability with them, choose the car colour etc and they put an approximate delivery date.

If the Sales person is BSing you i can go to a trusted 'Salesperson this week' and check for you.

 

Cheers Im not looking for one right away but maybe in a couple of months. As Someone hit my car last year and the claim in still ongoing as they are claiming i hit them. But once thats sorted ill be looking to get it

£1000 insurance.?????????? how many times have you been banned?

List changes each Quarter.  Be aware that sometimes a search misses cars so check Manufacturers Websites on Motability Offers.

Bargains were Ford Kuga, but all change with the WLTP and then new models and end of line and that jazz.

5 minutes ago, Sad555 said:

£1000 insurance.?????????? how many times have you been banned?

 

None

Clean license, 1 crash 8 years ago. and thats with me shopping around alot.

When i first got the car before my 25th i was paying £700 but it seems everyone in the area is paying more on insurance now

Sorry I didn’t realise,it’s an age thing I suppose ,I just insured the wife’s Mazda 2 fully comp protected plus named driver £102 .so lower car ins and a bus pass the benefits of the aged.

2 hours ago, Sad555 said:

Sorry I didn’t realise,it’s an age thing I suppose ,I just insured the wife’s Mazda 2 fully comp protected plus named driver £102 .so lower car ins and a bus pass the benefits of the aged.

 

its also an area thing. My dads insurance has shot up in the past few years also. at one stage it was £200 now its about £350. seems theres alot of dodgy claims etc in our area

TL:DR

 

George knows more of the ins and out but my folks have run a mobility car for the last few years.

They have only chosen zero deposit cars until recently when they decided it was worth a few hundred quid to get a higher specification model. They've not been fussy with brands because of that and have generally chosen marques with dealers nearby with good reputations for customer service.

 

That strategy has worked well for them.

 

They are careful to take care of the cars. they usual pay to have any Tesco dings corrected at the end of the lease and have never been subject to any penalty payments.

 

So it works for them.

Dealers appear to bend over backwards to make a mobility sale!

Biggest Group Buyer in the UK. 

 The customer at hand over pays their Advance Payment & for any extras and then enters the PIN and Motability Finance pays for the car.

 

It keeps the UK Motor Trade going, yet some dealerships treat Motability Customers like dogs dirt on their shoes.

Others are just wonderful.   Trained Motability Salespeople are usually great, often poached to other Dealerships where they want that type of salesperson.

 

Motability cars, serviced and maintained and with a MOT then go to BCA and that keeps the UK Motor Trade going.

 

In the old days Dealers had the Buy Back option, so customers got free mats etc as after 3 years low mileage cared for cars were coming to the Dealers Cheap.

Some of the biggest Car Dealerships got big on offering 0% finance on 3 year used cars.  ie Ex Motability.

That is maybe how Scotland and Europe's biggest got there.

(in the 1970's i got the List of Motability Mini's for sale and you just bid on them, or went to an auction, i started buying Ex Motability then, 

selling 'Disabled Driver cars' Mini Automatics. Then i bought Automatic Metros.

For years there were never that many Nil or low advance payment Automatic cars from Motability, and what there were were crap ones.

 

Ford & Vauxhall were the ones that forced Motability to change things as there was to many corrupt practices.

They wanted a good deal for Customers, Ford had a great Customer Services Unit dealling with Cars for the Disabled.

The 20,000 annual mileage per year increase was to suit disabled people that worked and had families and wanted weekends and holidays using a car.

 

You used to be able if Disabled to go to BL for 12.5 % Discount without Motability.  Then Subaru let you buy a car at the Dealers then gave you money back direct.

Fiat did offers for Disabled with a Green Card, because all Disabled never got, Invalidity, Incapacity, Disabled Tax Credits, DLA etc.

Other Manufacturers did offers, just not well known to many.

Same as now, many disabled people or families do not get benefits, pass assessments but are deserving.

 

The Government feed the Motability Gravy Train, it is still really a scandal.

But then their are a lot of titled people and those and such as those that are Patrons.

 

Edited 18 September, 20187 yr by Offski

What are they like with car park dings cause in the past year my spotless car now has dings on every door and even a scape on the back bumper. Had to park in a none disabled spot today and as i was getting back into my car a gust of wind blew and hit my door into the wall.

Also was wondering about tyres. The same car park has alot of broken glass in it and have had one puncture because of it. Do they replace them or will that be at my cost