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Thread: Accidents and Motorbility

  1. #1

    Accidents and Motorbility

    Can anyone tell me what the situation is regarding accidents while using a Motorbility car.

    This isn't for me, but a person who is going to court next week. She is under the impression the person who hit her car, being a Motorbility car, is liable to "have the car taken away" if she has 2 accidents.

    Not put very well but hope someone can help please
    Last edited by cathysboy_1; 08-02-12 at 21:24. Reason: spelling

  2. #2
    Senior Member
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    Not true, it depends on the circumstances of the individual and their prior history with Motability.
    Motability Car History
    05/09-05/12; Nissan Qashqai 1.5 Diesel Tekna; 36,500 miles; avg 41.1mpg
    06/12-07/15; Ford C-Max 2.0 Diesel Titanium Powershift; 35,400 miles; avg 37.8mpg
    07/15-09/17; Skoda Octavia 1.6 Diesel SE-L DSG; 28,200miles; avg 43.9mpg
    09/17-Present; VW Touran 1.4 Petrol SEL DSG; 11,600miles; avg 35.9mpg (28.6 - 43.9mpg)

    Click here to send me an email with any private Motoring questions you may have. Replies usually within 48hrs

  3. #3
    Senior Member Lighttouch's Avatar
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    Quote Originally Posted by cathysboy_1 View Post
    Can anyone tell me what the situation is regarding accidents while using a Motorbility car.

    This isn't for me, but a person who is going to court next week. She is under the impression the person who hit her car, being a Motorbility car, is liable to "have the car taken away" if she has 2 accidents.

    Not put very well but hope someone can help please
    First of all the motability owner has signed an agreement to lease a car for 3 years - it's a binding agreement regardless of accidents - even if a car is written off and is replaced through insurance cover.


    However, once the three year lease hire agreement is over and he/she applies for a new 3 year lease hire agreement then RSL may disqualify them from the scheme if they are considered a bad risk.

    Who is considered a bad risk you may ask.

    Anyone who makes three claims within 5 years however they happened.

    Can you appeal against their decision?` Yes you can put forward an argument why you need to use the scheme and RSL will consider your appeal.

    So to summarize - it's not Motability than prevents you from getting a replacement car but the insurers RSL.

  4. #4
    Thankyou Paul and lightouch. It seems the Motorbility user already has 6 points on her licence so may have had other collisions.

    Hence she is fighting tooth and nail to hang onto her car. Be interest to see the outcome.

    Thanks again Cathysboy

  5. #5
    Senior Member Lighttouch's Avatar
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    Quote Originally Posted by cathysboy_1 View Post
    Thankyou Paul and lightouch. It seems the Motorbility user already has 6 points on her licence so may have had other collisions.

    Hence she is fighting tooth and nail to hang onto her car. Be interest to see the outcome.

    Thanks again Cathysboy
    If she's got 6 points that could just be two speeding offences. If she was to get 12 points then that would mean an automatic ban from driving for a period of time eg 12 months.

    But remember she can always nominate another person to drive on her behalf - that's within the insurance rules.

  6. #6
    davewhit
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    Quote Originally Posted by Lighttouch View Post
    First of all the motability owner has signed an agreement to lease a car for 3 years - it's a binding agreement regardless of accidents - even if a car is written off and is replaced through insurance cover.


    However, once the three year lease hire agreement is over and he/she applies for a new 3 year lease hire agreement then RSL may disqualify them from the scheme if they are considered a bad risk.

    Who is considered a bad risk you may ask.

    Anyone who makes three claims within 5 years however they happened.

    Can you appeal against their decision?` Yes you can put forward an argument why you need to use the scheme and RSL will consider your appeal.

    So to summarize - it's not Motability than prevents you from getting a replacement car but the insurers RSL.
    not true last year mobility took 800 cars back and refused 500 others from having another car this info re leased by mobility in answer to i Times story on mobility cars fine print in contract lists plenty of reasons for early loss

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