Motability Insurance
Author
Discussion

Skodapondy

Original Poster:

423 posts

70 months

Thursday 22nd June 2023
quotequote all
Chaps, I'm hoping for advice as I'm not sure about the rules. I live next door to a house that is occupied by three people that have learning difficulties/disabilities. They live with a rota of carers that stay with them continously. One of these residents has had arranged for them a motability car that only moves when said resident is in it and is driven by whichever carer is on duty that day. Now, if I've understood it correctly, is that motability only insures two drivers for a car. I've seen at least five different people driving the car, so my question is, is this car being driven legally?

If I'm wrong about the two drivers rule then it's a mistake by me, but can someone please tell me if I'm right or wrong I'll be grateful. The reason I'm asking is that this car is abandoned on the pavement with an empty drive to put it on. Plus the carers park their own cars opposite the neighbours drives making life awkward. The senior carer is going to be had a word with by someone shortly about this by a neighbour with less diplomatic skills than me.

The Rotrex Kid

33,907 posts

182 months

Thursday 22nd June 2023
quotequote all
If the car has multiple drivers, it will have ‘open insurance’ meaning it can be driven by virtually anyone (designed to be used by care company employees) so nothing dodgy going on, Motability have things in place for this type of stuff.

Skodapondy

Original Poster:

423 posts

70 months

Thursday 22nd June 2023
quotequote all
I knew someone would know. Thank you.

QBee

22,083 posts

166 months

Thursday 22nd June 2023
quotequote all
The middle course is that any Motability client can have more than two people on the policy, but they have to pay a fee for the extras.
We looked at it with my daughter's car, because on the days she is too crocked to drive and needs to get to hospital (but is not ill enough to warrant tying up an ambulance) and her husband is not available, we wanted one of us to be able to drive her in the car.

The parking issue is a tricky one. If the carers are female you have a problem, because while any woman will say she can do three things at once, in my experience two of those three things are definitely not reversing and parking.

Skodapondy

Original Poster:

423 posts

70 months

Thursday 22nd June 2023
quotequote all
Your last paragraph cracked me up. I salute you sir.



QBee said:
The middle course is that any Motability client can have more than two people on the policy, but they have to pay a fee for the extras.
We looked at it with my daughter's car, because on the days she is too crocked to drive and needs to get to hospital (but is not ill enough to warrant tying up an ambulance) and her husband is not available, we wanted one of us to be able to drive her in the car.

The parking issue is a tricky one. If the carers are female you have a problem, because while any woman will say she can do three things at once, in my experience two of those three things are definitely not reversing and parking.

LosingGrip

8,629 posts

181 months

Friday 23rd June 2023
quotequote all
Open policy. My brother has one. Anyone using it for his benefit can use it, only have to get permission from Motorbility if someone has points on their licence.

TwigtheWonderkid

47,831 posts

172 months

Friday 23rd June 2023
quotequote all
Skodapondy said:
Your last paragraph cracked me up. I salute you sir.



QBee said:
The middle course is that any Motability client can have more than two people on the policy, but they have to pay a fee for the extras.
We looked at it with my daughter's car, because on the days she is too crocked to drive and needs to get to hospital (but is not ill enough to warrant tying up an ambulance) and her husband is not available, we wanted one of us to be able to drive her in the car.

The parking issue is a tricky one. If the carers are female you have a problem, because while any woman will say she can do three things at once, in my experience two of those three things are definitely not reversing and parking.
They also can't have sex and a headache at the same time; so much for multitasking.

TheLoraxxZeus

514 posts

41 months

Friday 23rd June 2023
quotequote all
Skodapondy said:
The reason I'm asking is that this car is abandoned on the pavement
If it's legit on the pavement then get it towed. If it's not on the pavement, I think you need to learn what abandoned means.

Here is a handy link since you seem to have confused your entitlement with abandonment.