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 Topic: Motability car & - insurance issues
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19/9/2013 at 12:03pm
Location: Prestatyn Nr Wales
Outfit: Kia Seddona & 1995 Pennine Pathfinder
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It might not be a Insurance Company issue, but a Lease issue. Motability is the owner of the Vehicle and Leases it out, proving Insurance and Maintenance as part of the Agreement.
As such they are free to set specific conditions, in regards to the usage of the vehicle, whilst it is under a Lease Contract.
When you buy a Vehicle through Motability, you are under a Hire Purchase Contract, which is totally different to a Lease Contract.
Sadly Motability have stopped Hire Purchase Contracts, due to the high number of issues, they have had with them. We recently had this confirmed by them, as we have just made the last payment on a vehicle bought through a Hire Purchase Contract [in fact the 3rd such vehicle]. So we will be holding on to our current vehicle, whilst we look at other finance options.
Part of the reason being, I object to paying to have a Tow Bar installed, then 3 years later, having to pay to have it removed, and any repairs such as a New Bumper installed, which can run to over £1,000. I also prefer to own items, and not pay out on a continual basis, and have to worry about mileage as well [ we were doing on average 22,00 000 miles per annum, so over the upgraded 20,000 mile limit on the Lease contract. And getting charged so much per mile over that. Adds to the bill. That combined amount covers Insurance and Maintenance, and the car is ours at the end of the day ]
As a Private Company, Motability are free to set reasonable conditions, and you'd struggle to argue a ban on Gas Canisters, is against the Disability Discrimination Act, because they could have the same ban, on Company Vehicles used by Staff as well.
Dave
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