New Car - Choice of 3

OllyM · 31 Mar 2006 at 18:40

James_N said:
<snip>

I totally agree with you there - I'm guessing the insurance cover on Motability cars covers anybody to drive, and surely this encourages abuse?

James_N · 31 Mar 2006 at 18:41

mr tommo said:
James N, A hyundai Getz would do the job just fine, but if someone said to you, pay 2000 and get a Golf, would you say no? The car is there as a backup, ive got my own car, mum's got her own car, dads got his own car. Only trouble is, dad is resticted to auto's meaning that if his car is being used, which it sometimes is as its used as a company car, how does he get about, we have already had to go outand lose £5000 to cancel the contract on his car he had up until his accident, then had to go out and buy another automatic so that he could be mobile.

I dont quite understand what your getting at. A motability car cant be used as a company car, meaning he will have full use of it whenever he wants. So why not just drive your own car about? Maybe im missing something here.

[TW]Fox · 31 Mar 2006 at 18:42

mr tommo said:
80% of THAT CARS USEAGE, YES.

So you telling me that if you walk out of the house to go out somewhere and you can take the 06 plate Astra Sport hatch or your car (1.4 Megane isnt it?) you'd take your car? Errr I think not. You'll be in the Astra as much as you can..

mr tommo · 31 Mar 2006 at 18:42

OllyM said:
I totally agree with you there - I'm guessing the insurance cover on Motability cars covers anybody to drive, and surely this encourages abuse?

You guess wrong, under insurance group 8 for anyone under 25.

And FOX, Why would i be keeping my car? please, as you seem to know my situation inside out, and know all the "excuses" that im going to be using, just answer that one for me, whne i could quite easily sell it and go and splash out on a £6000 holiday now that ive got a car to "whizz" around in free of charge?

Scottland · 31 Mar 2006 at 18:42

[TW]Fox said:
That's obviously the excuse he'll now fall back on if the flak gets too heavy, but I think it's pretty obvious that he's going to be spending most of his time driving around in a smart, brand new Astra Sport Hatch or similar, paid for mostly by the taxpayer, simply becuase his father is disabled.

The scheme needs tightening up - there should, for example, be no provision for insured drivers under the age of say 25 should they be able bodied and not a registered carer for the disabled person entitled to the car.

AFAIK the mobility scheme extends to people being able to use the car to help the disabled person. i.e. Doing the shopping, taking them for a hospital appointment, picking up their prescriptions etc etc.

I don't think it's right that it should be used for social purposes, like going on a jaunt accross europe or whatever though.

As a sidenote, given that most if not all of the vehicle maintenence will be covered by the mobility scheme, get the Megané CC. It might break, a lot, but it'll be paid for at least

Or maybe the government should have a non-French car rule for these schemes as they break a lot and need more paying towards them for their upkeep? :|

James_N · 31 Mar 2006 at 18:42

OllyM said:
I totally agree with you there - I'm guessing the insurance cover on Motability cars covers anybody to drive, and surely this encourages abuse?

Incorrect. It doesn't cover anybody (at least mine didnt). It covered me as the main driver, and my mom in the event of emergencies (as shes also my carer and next of kin etc, this was ok) NOBODY else under any circumstances was allowed to drive the car.

<(Multi)> · 31 Mar 2006 at 18:44

mr tommo said:
James N, A hyundai Getz would do the job just fine, but if someone said to you, pay 2000 and get a Golf, would you say no? The car is there as a backup, ive got my own car, mum's got her own car, dads got his own car. Only trouble is, dad is resticted to auto's meaning that if his car is being used, which it sometimes is as its used as a company car, how does he get about, we have already had to go outand lose £5000 to cancel the contract on his car he had up until his accident, then had to go out and buy another automatic so that he could be mobile.

Let me get this right. Your dad already has a car, so there really is no need for this mobility charity to actually help provide a car at all.

Nice to know where all my income tax goes - paying for some middle class, well off company director to have an extra car in his fleet.

James_N · 31 Mar 2006 at 18:44

mr tommo said:
And FOX, Why would i be keeping my car? please, as you seem to know my situation inside out, and know all the "excuses" that im going to be using, just answer that one for me, whne i could quite easily sell it and go and splash out on a £6000 holiday now that ive got a car to "whizz" around in free of charge?

And this is what ****** me off. Your going to sell your car, make money off it, then use your DADS motability car to run around in, when it should be for your dads benefit, NOT yours.

mr tommo · 31 Mar 2006 at 18:45

James_N said:
I dont quite understand what your getting at. A motability car cant be used as a company car, meaning he will have full use of it whenever he wants. So why not just drive your own car about? Maybe im missing something here.

sorry i musnt of explained myself properly, he bought a car off his own back after the accident because the mobility scheme wasnt availible until he had been properly assesed, which is why its avaible now.

POB · 31 Mar 2006 at 18:45

If the scheme is based on a 3 year contract looking at future values.

Would the Motorbility company be in a better position if :

They give a £7000 Getz out

Or they take £2000 in and loan a Golf Out.

The Getz might be worth £2500 at the end of the term. (costing Motorbility £4500 for the term)

How much is a Golf to buy and how much will it cost in 3 years? If the Golf actualy depreciates less then it might work out for Motorbility.

So I could understand a Golf over a Getz but an Astra?

[TW]Fox · 31 Mar 2006 at 18:47

mr tommo said:
And FOX, Why would i be keeping my car? please, as you seem to know my situation inside out, and know all the "excuses" that im going to be using, just answer that one for me, whne i could quite easily sell it and go and splash out on a £6000 holiday now that ive got a car to "whizz" around in free of charge?

The way you took offence to my suggestion you'd spend 80% of your time driving this flash new tax payer funded car suggested that you felt that was a tad unfair, and gave me the impression you wouldn't be spending as much 80% of the time driving it.

So, I assumed you'd be driving it occasionally. Seems not - you'd sell your own car and this would effectivly be YOUR CAR that your Dad would borrow perhaps 20% of the time?

Nice! Thats flagrant abuse of the system..

mr tommo · 31 Mar 2006 at 18:47

James_N said:
And this is what ****** me off. Your going to sell your car, make money off it, then use your DADS motability car to run around in, when it should be for your dads benefit, NOT yours.

i said i COULD easily do that! but im NOT, thats why i asked fox to prove his point.

James_N · 31 Mar 2006 at 18:47

mr tommo said:
sorry i musnt of explained myself properly, he bought a car off his own back after the accident because the mobility scheme wasnt availible until he had been properly assesed, which is why its avaible now.

So hes already got a car, so why the need for motability?

mr tommo said:
i said i COULD easily do that! but im NOT

Which means you probably will, but wont own up to it on the forum due to the ribbing you would take - and rightly so.

[TW]Fox · 31 Mar 2006 at 18:48

mr tommo said:
i said i COULD easily do that! but im NOT, thats why i asked fox to prove his point.

So what are you going to do then? :confused:

Keep your car and drive that most of the time? So why would you even need the Astra at all? Is it ever going to get used, given that you'd barely use and you say yourself 80% of the time it would be you using it?

mr tommo · 31 Mar 2006 at 18:49

mr tommo said:
And FOX, Why would i be keeping my car? please, as you seem to know my situation inside out, and know all the "excuses" that im going to be using, just answer that one for me, whne i could quite easily sell it and go and splash out on a £6000 holiday now that ive got a car to "whizz" around in free of charge?

Did i say i am selling it?

blueboy2001 · 31 Mar 2006 at 18:50

Motability are really just a leasing company who negotiate with manfacturers to provide preferential all inclusive lease rates to their customers. Motability cars are fully maintained and insured for the period of the lease.

The only difference is to be a motability customer you have to be in receipt of higher disability living allowance which includes a motability element of £45 a week. You don't have to use this to get a car - you can use it for whatever you like, but Motability offer a way to get a bit more for your money, eg. the Golf talked about above would cost about £340 a month on a normal maintained lease, then you'd have to insure it.

The system is widely abused though - as some disabled people are unable to drive you can give the car to someone else to drive you around. Cue lots of people giving their old granny £45 a week in exchange for a fully maintained and insured Focus or similar. Suits very young drivers in high crime areas very well because the insurance would cost more than £45 a week alone.

James_N · 31 Mar 2006 at 18:50

so your going to keep your car, your dads got his own car already, and so has your mom, so i still dont understand why you need a motability car?

Scottland · 31 Mar 2006 at 18:52

James_N said:
so your going to keep your car, your dads got his own car already, and so has your mom, so i still dont understand why you need a motability car?

I think its a company car is it not? i.e. Not always available for use, where as the mobility one would be

mr tommo · 31 Mar 2006 at 18:52

[TW]Fox said:
So what are you going to do then?

Keep your car and drive that most of the time? So why would you even need the Astra at all? Is it ever going to get used, given that you'd barely use and you say yourself 80% of the time it would be you using it?

No it wont get used most of the time. It will be sitting in the garage, or whenever it needs to be used it will be used. Simple. Maybe its a waste of the tax payers money, but as a self employed couple , my parents have paid out more tax over the last 10 years than the majority of workers on here, complaining.

mr tommo · 31 Mar 2006 at 18:54

Scottland said:
I think its a company car is it not? i.e. Not always available for use, where as the mobility one would be

Correct, so is my car, so is my mums. All our workers are insured on these cars.