Been awarded DLA which means i am eligible to get a car through the mobility scheme. Is it worth getting a car through mobility? I am sure this topic must have been covered before. To refresh your mind i will get a car for 3 years, have all expenses paid for apart from petrol.
just end of the day after 3 years of paying the fees i will not have anything to show, the car will be returned etc. If however i was to buy a car, after 3 years it is still mine. Unfortunately i have to bear the running costs.
But after the three years you then get another new car fully expensed don't you? You need to look at how much your award is, what you could buy privately for it and what that private purchase would be worth after 3 years.
Personally speaking I would say go with the Mobility scheme. Only issue is that it is mileage capped.
2007 Seat Altea XL 2.0 TDI (140) Stylance
2005 Skoda Fabia vrS
The motability scheme is the most vivid demonstration of "bulk buying" power in every aspect of its operation. It's by some margin the biggest fleet scheme in the country so everything they buy or need is of the "say jump, how high? " means of negotiation. The insurance for Motability used to be negotiated so aggressively that almost every insurer who took it on got the reputation that season for "buying in" business as red ink almost automatically resulted...But the premium vol was massive.
Go with the scheme. But do look carefully at what diff manufacturers are offering. Some will reprice their scheme vehs each quarter and will effectively discount the downpayment or offer better vehs at the nil payment rate to chase business.
I am in a similar position. And have been looking at the same motors PLus S-Max. i know the advance payment is a bit steep BUT at the end of the three years you have the option to buy the car at the trade price. Personally I liked the Mazda but it doe not come in auto. Please let us know what you decide to do.
you will never never get a car brand new plus tax and free insurance and
all servicing for less than 50 pounds a week.
now look on there website and see what you fancy and get a new car.
you would be very silly indeed to want to buy a car with your own
money or get a loan for a new car.
Au contraire: In fact, DLA can be significantly higher than 50 p/w for some cases. I think up to approx twice this amount?
You can lease some pretty attractive motors for this kind of money, if you shop around!
How about a Mercedces CLK for 300 a month?
Due to MS my father has just had a C4 Picasso Grande deliverd last week, a really nice car to drive and to look at, with a set of ramps he can fit a mobility scooter in the back as well, he did add a couple of hundred to it to get the bells and whistles model, but it is a nice car. I cant see any down side, even what he added to it was less then the insurance used to be on his old car for a year - let alone 3 years!!!! Cant see what you have got to loose.
Its a great scheme for those that are awarded the benefits,you cannot fund a new car cheaper.The thing that winds me up,and i would guess a lot of other people is the number of people that benefit that on the face of it seem to get a very expensive perk paid for by the fest of the working population.
No offence to the genuine receivers of a very worthwhile scheme,but,believe me,if you have ever worked in a dealership and seen some of the 'disabled' receipients you would be very surprised.
I was told that it is the biggest fleet in Europe,and i also think there are a lot of 'blind eyes' viewing the whole operation.
Worth getting a car through mobility? -
Let's not get all politically correct eh?
I think the point he was making was that there is a difference between being disabled and having a need for transport, and needing a convertible/sporty/4x4/etc car all paid for by the tax-payer.
Nobody begrudges financial assistance to a disabled person (I hope). But people do begrduge that financial assistance if it exceeds the disability-related need. Help for a disability is one thing. Compensating for a disability is another.
Worth getting a car through mobility? -
DLA for mobility is paid at around £50 per week to those who are unable or practically unable to walk.
They can either receive it as cash or surrender it into the motability scheme through which they can access cars at rates that, through bulk buying etc, are significantly better than those available in the retail market.
Very small and cheap cars may allow the user to retain a few pounds of the weekly benefit, while convertible/sporty/4x4/etc vehicles require a substantial down payment from the user, the cost to the taxpayer is capped at the surrendred benefit.
Worth getting a car through mobility? -
This is not a fact or statistic based comment!
Statistics show that only 0.6% of disability benefit claimants are fraudulent.
High rate mobility component is very hard to qualify for. there are many strict rules and a lot of neccesary proof needed. In order to qualify to get a motability vehicle one has to be in receipt of high rate DLA. therefor one would presume that only a small percentage of the 0.6% that are fraudulent claimers would manage to become in receipt of high rate mobility DLA. Of this small percentage how many opt to get a motability vehicle?? This would in fact be a very small number of people.
It must be remembered that some people have a disability that is not always visible. Others may be claiming under the 'special rules' which means they have been given less than 6 months to live. This cannot be judged on sight!
Wazza, It sounds as if a motability car would be good for you, considering your mileage is low, although I believe allowances have much improved recently. Beware that if the govt. raise mobility allowance to cover higher petrol costs during the period of lease, then if your car has taken the full allowance they will also take any rise. Any car over the most basic will cost you a non-returnable cash payment. You are also responsible for tyres, wiper blades etc and ANY repairs at the end of the lease period. We found it was less expensive to have a repair done to a seat than the quote from the supplying garage.
If you decide to come off the scheme after the lease period, I found the Motability insurer was the only one who would give me NCB (I am not disabled btw).
You can also use your allowance to buy a second-hand car, so you would own something at the end of the period.... and for those who don't know, you can also use it to lease a reasonable wheelchair (either car or wheelchair or buggy).
Dr S is not correct about the amount of mobility. The higher rate is £45 a week unless husband is keeping something from me!!! As said before, you can have almost any car you want if you are prepared to pay cash up front - and bear in mind you end up with no car/money at the end of three years.
Wazza, if you are going to get a mobility car, remember to apply for the form for taxation - you can do this now as it has spaces for five years.
I forgot to say that if you want to buy a second hand car then you have to have the allowance for four years rather than three. If you do want to go down this route, then write or ring the tel no on your paperwork and ask for a review so that you can have the allowance extended. This is also the case if they have only granted the allowance for two years, which would not enable you to have a car.
Thanks for the info. The high mobility rate is actually £45/week. So in a year it is £2160. Doing a rough calculations on my car. With insurance, mot, tyres etc and breakdown cover it will cost a minimum £750 per year. have not taken servicing into consideration. That means that the mobility car will cost me £1410 per year. That figure will probably go down because i drive a '96 mondeo with 125k and on its original clutch.
True end of the day the car will not be mine but at least i will have peace of mind and no bills to pay apart from petrol.
As someone said you cannot get a car for £45 per week.
Worth getting a car through mobility? -
That means that the mobility car will cost me £1410 per year.
OK, so the thing you didn't say in your original question was tha you already had a car. The thing you didn't factor into your calcuations is depreciation. I realise that on an oldish Mondeo that's probably negligible, but you might be able to sell it for something now, whereas in, say, 2 yrs it could be hard to give away.
At what point do you have to make the cash or car decision? Could you take the money for now, then when the Mondeo starts to play up just dump it and take a Motability car?
When do i have to make a decision? Well i was awarded DLA few months ago. Have always had difficulty getting out of the mondeo due to the low seating. If it were not for that problem i would be happy to keep the car because it has been trouble free in the last few years. Have been saving to buy a MPV mainly due to it's high seating. plan to spend up to £4k for which i probably end up with a highish mileaged car due to strong residual values. Now have the option to buy through mobility it seems worry free motoring. just wanted to know what view those people in my position had in the past.
Since the advance payment prices change every quarter i have till end of sept. Keen on the mazda 5 whose advance payment/deposit has come down in the last year. There is no guarantee that it will go up or down after sept.
I would hazard a guess that the motorbility price will not go up next quarter for the same model. The scheme is too big for mfters to ignore/turn off. I would imagine if you have a competitive attractive offer veh in one segment you could litterally gurantee a stream of motorbility businss to keep the thruput up...
A mate had a Renault Megane CC and almost 50% of the ones I see out and about parked have a Disabled badge on it...especially among younger Disabled types. It's cash payment even for the more expensive larger engine and auto model was half the price of a fairly basic A class.
Wazza, do check your timing. Mostly DLA is granted for a three year period and then has to be re-applied for - yes - all those forms AGAIN. To get a car on Motability you must have DLA for three years or more left to run.
Contact them and ask for an extension, say why you want to get a car ie height, reliabiity etc and ask if it can be extended. You may need to chase this up with them (repeatedly).
Mobility now list wheelchair accessible vehicles which is what we need for our severely disabled teenager.
A Suitable vehicle is the VW transporter as for holidays we tow a caravan. Onthe Scheme the cheapest is 12 grand initial payment and 5 years loss of allowance. I'll have to do the sums to see if its worth it.
We got the VAT back on an adjustable bed which was bought for my wife - all that was required was a doctor's letter to the bed supplier.
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What\'s for you won\'t pass you by
I am lead to believe that i must have a minimum of 12months left on my DLA when i collect my car. Since my award is for two years if at the end of the period it does not get renewed then i simply return the car :-(
Tony - Wazza hasn't posted on here since May 2011 so he may not see this. Let's hope he got his Motability car in 2007, as it surely makes sense for those entitled, even if less so as a second-hand buy.
............ The problem is the price ,they are stupidly expensive ,you could buy the same car from a dealer for less money . Regards Tony g
Agree with you. When my 3 year contract was coming to an end i rang the motability people about purchasing the car at the end of the agreement. Their offer was way above the market value. Later found out that it is best to find out from the dealer where you plan to return the car where it is going to be auctioned off. Then go along and hopefully get it at a decent price.
Personally i went for a different car on the scheme at renewal.