The car was on the 5 year HP variant, motability told me I was responsible for the repair costs.

But did you choose the HP variant because you would own the car at the end of the agreement. IE, your motability allowance funds the car and at the end you sell it and pocket the proceeds. I know someone, ( a nice lady, who went down this route, but came unstuck as she found out she was liable for the repairs) (especially after her 20yr old son trashed it when he wasn't on the named drivers.

It's called having your cake and eating it too. I realise very much that it was probably not explained to you, it certainly was not explained to her! (her agreement was over 3 years, but same rules probably apply.)

Motability are perhaps a charity, but they are a BIG business too, I bet they didn't tell you either about the ncd.

This is not a "pop" at you, it is how these things work, I have recently seen my neighbours wife who cannot even walk out of the house lose her motability car as the criteria have changed, and yes, they gave them notice and that was that. Now they have to appeal etc, just like you.

>>You don't get a NCD and may loose your insurance claims discount if you have a motability car over 3 years

Usually not.

NCD proof is normally supplied by one insurer to another as "n years NCD". And clearly if you have not had insurance in your own name that is not possible.

If, however, someone who has insured a vehicle supplies a letter or similar which says "we insured car x and izzybee was the main driver, and there were no claims or incidents in 3 years." then it would be a rare insurer who wouldn't accept that.

What ever we owe to China probably came about from importing goods that used to be made in this country, resulting in UK PLC having to pay benefits to unemployed who lost their jobs as a result of jobs being exported to China...