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 Topic: Motability car & - insurance issues
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03/10/2013 at 11:27am
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You cant win with cars,
If you lease it you get all the benefits insurance etc but,its not yours.I worked it out roughly.Including a deposit i pay about £7000 over a 3 year lease.At the end of the lease i get another brand new car with no worries.Where can you buy a brand new car for £7000 with all the benefits ??
If you buy a car for the said £7000 then you have to ,repair it,stick tyres on it,insure it,mot it,and service it...not to mention how much it will de value over the years.
Ive done both and still find leasing is the way to go as you cant win eitherh way.
One point that was not mentioned,i had 5 years no claim when i leased my first car.
On buying my next car privately i had lost my 5 years no claim and had to start again.
I have had no problems with mobility on fitting a tow bar but if your thinking of getting a tow bar fitted to a lease car,and you want to save it for your next,
make sure you get the crash bar back of the fitter or you will have to leave the towbar on as this replaces the crash bar.
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Animals have feelings..
JEFF................
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03/10/2013 at 1:25pm
Location: Prestatyn Nr Wales
Outfit: Kia Seddona & 1995 Pennine Pathfinder
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Unless their policy has changed, Motability advised us when we first enquired. That you may have a Tow Bar Fitted at your own expense, but at the end of the Lease Period, you have to pay to have it removed, and that can mean a new bumper and paint job, on top of the removal of the Tow Bar.
Because a Tow Bar reduces the residual resale price of the vehicle, and their costings are based on a Residual Resale Price, they will not accept the extra loss on residual, due to a Tow Bar being fitted.
The Lease Contract requires that you make good at your own expense, if a Tow Bar is fitted. And that it had to be fitted by the dealer (their vehicle, their rules) which could mean paying over £300, when a independent could fit one for a third the cost (I'm basing that on the fact my neighbour owns a Tow Bar Fitting Company, and charges a Third of many local Dealers, for the same Tow Bar, fitting included)
That and the restrictions on mileage, when we first started with Mobility. Decided us on HP through them.
Dave
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03/10/2013 at 3:17pm
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Quote: Originally posted by Davep on 03/10/2013
Unless their policy has changed, Motability advised us when we first enquired. That you may have a Tow Bar Fitted at your own expense, but at the end of the Lease Period, you have to pay to have it removed, and that can mean a new bumper and paint job, on top of the removal of the Tow Bar.
Because a Tow Bar reduces the residual resale price of the vehicle, and their costings are based on a Residual Resale Price, they will not accept the extra loss on residual, due to a Tow Bar being fitted.
The Lease Contract requires that you make good at your own expense, if a Tow Bar is fitted. And that it had to be fitted by the dealer (their vehicle, their rules) which could mean paying over £300, when a independent could fit one for a third the cost (I'm basing that on the fact my neighbour owns a Tow Bar Fitting Company, and charges a Third of many local Dealers, for the same Tow Bar, fitting included)
That and the restrictions on mileage, when we first started with Mobility. Decided us on HP through them.
Dave
Dave i dont know where you got that info from but its wrong.
All my towbars including the one ive got now was fitted by a local towbar fitter,i just phoned mobility saying i was fitting a towbar all of them was fitted at my expensive and left on.
I know people who took them off and had to refit the crash bar which they kept hold off,but they payed for this around £60 but saying that damage to the bumper can occur is a lot of nonsense.
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Animals have feelings..
JEFF................
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