Motability Choice

[RizzoTheRat]

BE57 TOY said:

This.

If its on the tax payer, it should be function over fashion.

What can either of those cars do that a base model focus can't?

I also don't understand why they have to be brand new and not 5 years old. But that's a whole other thing.

Might I suggest you try reading this thread which should address all your points.

[stuartmmcfc]

I've got MS and unfortunately it is getting worse.
However, I like cars so my advice to the OP, assuming he's of a similar attitude, is get the car you like the look of best- the one that, when you look back at, makes you smile.
MS is stty enough, so anything that makes you feel good has to be right.
Don't worry to much about practicality, within reason, as most things can be sorted or put up with aslong as it makes you happy.

[Chrisw666]

RizzoTheRat said:

Might I suggest you try reading this thread which should address all your points.

I see what you did there.

It won't work though, people KNOW tax payers fund luxury lifestyles for layabouts also know that disabled people are much better off than the rest of society because they're allowed to get a new car. New cars being the ultimate proof of success at life and the main thing used to benchmark yourself against other men.

[BE57 TOY]

elephantstone said:

+100000000000000000000000000000000000000000

Who pays for it then?

OP says its from Motability. Are you saying its not from Motability?

I am not stupid and I'm not ignorant. It may be the case I don't know how this scheme works. So maybe you would like to tell me?

I am not saying I disagree with Motability, having any kind of disability is terrible and should be fully supported.

However I am saying the cars should be function over fashion and I don't see how a 3 door coupe is more suitable than say a focus? Especially with back problems?

If anything it would be more sensible to go down the 4x4 or larger car route.

[66comanche]

Please don't mistake me for one of the idiots, but I have pondered one aspect of the Motability scheme.

The person in question hands over their higher rate DLA which is circa £50/week in return for a car, insurance, road tax, servicing, tyres and breakdown cover. Is Motability such a massive 'fleet' that this covers it, seems an excellent deal if so. Making some basic fag packet assumptions:

Insurance £500 (£10/week)
RFL -guess £100 (£2/week)
servicing £200 (£4/week)
tyres £50 (£1/week)
breakdown £50 (£1/week)

This means they can provide a 180Bhp £20k Astra Coupé for something like £30-35/week - say £140/month? Seems great value considering to privately lease one is closer to £300/month with the VAT.

[gtdc]

stuartmmcfc said:

I've got MS and unfortunately it is getting worse.
However, I like cars so my advice to the OP, assuming he's of a similar attitude, is get the car you like the look of best- the one that, when you look back at, makes you smile.
MS is stty enough, so anything that makes you feel good has to be right.
Don't worry to much about practicality, within reason, as most things can be sorted or put up with aslong as it makes you happy.

Is a comfortable ride not of paramount importance in your choice?

[BE57 TOY]

anonymous said:

[redacted]

Well done.

[832ark]

BE57 TOY said:

Who pays for it then?

OP says its from Motability. Are you saying its not from Motability?

I am not stupid and I'm not ignorant. It may be the case I don't know how this scheme works. So maybe you would like to tell me?

I am not saying I disagree with Motability, having any kind of disability is terrible and should be fully supported.

However I am saying the cars should be function over fashion and I don't see how a 3 door coupe is more suitable than say a focus? Especially with back problems?

If anything it would be more sensible to go down the 4x4 or larger car route.

[stuartmmcfc]

gtdc said:

Is a comfortable ride not of paramount importance in your choice?

not having problems with my back the answer would have to be "no",
The main considerataion for me is boot space for my scooter.
However it's very easy to slip into depression as you watch your body fail and so my point is that something that makes you feel happy and enjoy being in is very important IMO.

[gtdc]

stuartmmcfc said:

gtdc said:

Is a comfortable ride not of paramount importance in your choice?

not having problems with my back the answer would have to be "no",
The main considerataion for me is boot space for my scooter.
However it's very easy to slip into depression as you watch your body fail and so my point is that something that makes you feel happy and enjoy being in is very important IMO.

That's true. To have a car you don't enjoy is not good. Still surprised OP hasn't got another Mini on his list. It seems to tick every box.

[Ari]

BE57 TOY said:

I am not stupid and I'm not ignorant. It may be the case I don't know how this scheme works. So maybe you would like to tell me?

It's a sign of ignorance when people like you shout their mouth off about how dare a disabled person have a decent car when you've not even bothered to find out how the scheme works first.

So yes, I'm afraid you are stupid.

[elephantstone]

Ari said:

It's a sign of ignorance when people like you shout their mouth off about how dare a disabled person have a decent car when you've not even bothered to find out how the scheme works first.

So yes, I'm afraid you are stupid.

Which is why i refuse to explain anything to him.

[RJDM3]

Sorry to the OP that i cant help with a reply to your question. But i do have to make comment to some of the utter idiots on this thread.

I have a disabled son. We are just about to get a motabilty car ourselves. (base spec ford cmax)

I am a tax payer and have always paid into the system, my wife has paid 15 years into the system.

We do our best to deal with everything on our own with our own money. But sometimes this is just not possible on your own. We have to take our son to a school that caters for his needs. His school is 14 miles away from our home and we have children at the local school which is a minute walk away.

I have to work and need use of our car and we could not afford to provide a 2nd car (buy the car, tax, insure. MOT etc), so that our son can have the schooling he needs. If it was not for motability this just would not happen. This is not to mention hospital appointments etc.

Until any of you moaning cock tards (boo fking hoo its so not fking fair brigade) either find themselves disabled or have a family member disabled that needs care that you financially just cant provide, then you will be forever greatful that these schemes exist.

[BE57 TOY]

Ari said:

It's a sign of ignorance when people like you shout their mouth off about how dare a disabled person have a decent car when you've not even bothered to find out how the scheme works first.

So yes, I'm afraid you are stupid.

I didnt shoot my mouth off. I said the cars should be function over fashion. Just because others have shot their mouths off does not mean that I am.

Learn to comprehend what you're reading or stop being such an agressive little keyboard warrior. I

Anyhow, I have since done some research and found out it's a non means tested benefit with the capability of being topped up with your own funds. So you can take a base spec, or spend your own money to upgrade it and infact I am all for this. It encourages people to work hard to enjoy nice things, and we need more of that in the UK.

It's a shame nursing homes and residential care is means tested and is a total reverse of the DLA scheme.

So to confirm - I am not against the Motability scheme. I just wondered why the tax payer was funding Scirrocos or astra coupes and now I know the reason - they're not.

OP - I would recommend the scirocco. Lovely cars to drive.

[elephantstone]

BE57 TOY said:

I didnt shoot my mouth off. I said the cars should be function over fashion. Just because others have shot their mouths off does not mean that I am.

Learn to comprehend what you're reading or stop being such an agressive little keyboard warrior. I

Anyhow, I have since done some research and found out it's a non means tested benefit with the capability of being topped up with your own funds. So you can take a base spec, or spend your own money to upgrade it and infact I am all for this. It encourages people to work hard to enjoy nice things, and we need more of that in the UK.

It's a shame nursing homes and residential care is means tested and is a total reverse of the DLA scheme.

So to confirm - I am not against the Motability scheme. I just wondered why the tax payer was funding Scirrocos or astra coupes and now I know the reason - they're not.

OP - I would recommend the scirocco. Lovely cars to drive.

Good man, thanks for taking the time to research it and all. (Not sarcasm)

[Chrisw666]

NoNeed said:

I once told myself I would contribute to anymore of these threads but, and it's a big but, it's not like you say. The question is why should the taxpayer even be contributing to a scirocco? A nice fiesta is circa 10k a scirocco is circa 25k the tax payer is paying the same amount maybe 12k (somebody will correct me if wrong) meaning the user will be putting 13k of thier own money to have the scirocco.
What I find objectionable is if somebody can put 13k they can buy the fiesta without state help and are therefore claiming something they do not need. Means testing DLA is the way forward.

DLA isn't means tested that is something that has not been changed by sucessive governments if you don't like it write to your local MP and get him to ask for it to be changed instead of spouting off illinformed guff.

The recipient of higher rate DLA sacrifices their c£200 a month, and recieves a car for three years. Any difference is made up in a deposit and by Motability (also a charity that raises its own funds).

The car can be any from a list published by Motability (available online if you wish to view it) and has a fixed pricing structure for deposits. Occasionally dealers offer special offers over and above those on the price lists and users can also negotiate with dealerships to get the best car for them.

The list price of the car is irrelevant, the residual value is the key to lease deals. So the deposit on a Scirocco V a Fiesta won't be £13k more. The car is leased not bought and as a result will be sold on by the lease company (Motability Finance Limited) at the end of the contract.

The Disabled person has access to a warranted, reliable, serviced and fit for purpose vehicle (fit for purpose meaning they decide it does the job). They also get an element of choice which allows them to (if they so wish) improve their self esteem by not selecting from a government approved list of cheap dull boxes.

The car maker sells a car, and dealers get access (either directly or via auction) to looked after, 1 owner, often low mileage, used cars. They can then sell these to people who can't afford to buy new, making a profit and keeping business ticking over.

I fail to see the bad in it all and to be honest the DLA being used to buy cars is much better for the economy, than handing £200 a month to every qualifying person.

[Chrisw666]

BE57 TOY said:

Anyhow, I have since done some research and found out it's a non means tested benefit with the capability of being topped up with your own funds. So you can take a base spec, or spend your own money to upgrade it and infact I am all for this. It encourages people to work hard to enjoy nice things, and we need more of that in the UK.

Well done for bothering to read up on something. If more folk were like you the country would be a better place.

[tim2100]

66comanche said:

Please don't mistake me for one of the idiots, but I have pondered one aspect of the Motability scheme.

The person in question hands over their higher rate DLA which is circa £50/week in return for a car, insurance, road tax, servicing, tyres and breakdown cover. Is Motability such a massive 'fleet' that this covers it, seems an excellent deal if so. Making some basic fag packet assumptions:

Insurance £500 (£10/week)
RFL -guess £100 (£2/week)
servicing £200 (£4/week)
tyres £50 (£1/week)
breakdown £50 (£1/week)

This means they can provide a 180Bhp £20k Astra Coupé for something like £30-35/week - say £140/month? Seems great value considering to privately lease one is closer to £300/month with the VAT.

Can I correct some of those?

Insurance - Massive fleet insurance, each car is insured for around £125 (£2/week)
RFL - Not included in Motability (£0/week)
Servicing - Fixed price servicing agreed by the manufacturer less than £50 (£1/week)
tyres Agreed - (£1/week)
breakdown - again huge contract agreed by RAC ~£50 (£1/week)

Total costs £5 per week which means that maintenance of car is roughly £260 per year
Allowance received by motability £2,672.80
Gives £2412.8 over 3 years = £7,238.40

Cost of new Astra ~£20,000
Less discount 35% £7000
Less Allowance £7238
Less 3 year old astra selling price £6000
Gives roughly zero.

[BE57 TOY]

Chrisw666 said:

DLA isn't means tested that is something that has not been changed by sucessive governments if you don't like it write to your local MP and get him to ask for it to be changed instead of spouting off illinformed guff.

The recipient of higher rate DLA sacrifices their c£200 a month, and recieves a car for three years. Any difference is made up in a deposit and by Motability (also a charity that raises its own funds).

The car can be any from a list published by Motability (available online if you wish to view it) and has a fixed pricing structure for deposits. Occasionally dealers offer special offers over and above those on the price lists and users can also negotiate with dealerships to get the best car for them.

The list price of the car is irrelevant, the residual value is the key to lease deals. So the deposit on a Scirocco V a Fiesta won't be £13k more. The car is leased not bought and as a result will be sold on by the lease company (Motability Finance Limited) at the end of the contract.

The Disabled person has access to a warranted, reliable, serviced and fit for purpose vehicle (fit for purpose meaning they decide it does the job). They also get an element of choice which allows them to (if they so wish) improve their self esteem by not selecting from a government approved list of cheap dull boxes.

The car maker sells a car, and dealers get access (either directly or via auction) to looked after, 1 owner, often low mileage, used cars. They can then sell these to people who can't afford to buy new, making a profit and keeping business ticking over.

I fail to see the bad in it all and to be honest the DLA being used to buy cars is much better for the economy, than handing £200 a month to every qualifying person.

Agreed. Thanks for explaining this in an uncondecending unttish way.

Unfortunately most are straight on their high horse hiding behind their monitor, giving PH a bad rep.

[Chrisw666]

NoNeed said:

Chrisw666 said:

I fail to see the bad in it all and to be honest the DLA being used to buy cars is much better for the economy, than handing £200 a month to every qualifying person.

You make some interesting points but this one baffles me, how is sending £200 a month to Germany (for thr scirocco) helping our economy.

I know it's completely off topic but I had to ask.

Motability employ staff, UK car dealers get the sale commission, UK tyre fitters supply tyres, a UK insurance company provides cover, a UK breakdown firm provides cover, a UK garage services the car and it goes back to a UK dealer as used stock to be sold at a profit probably with a money making financial product attached to it.