Accidents and Motorbility

[cathysboy_1]

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

[Paul]

Not true, it depends on the circumstances of the individual and their prior history with Motability.

[Lighttouch]

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.

[cathysboy_1]

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

[Lighttouch]

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.

[davewhit]

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