Free Traffic Legal Advice

Neil, are you aware of all of the changes being made to the Motability scheme?  These include VAT on the AP, Mileage reduced to 10k per annum (albeit they are supposed to be going to provide exemptions, possibly details available on 8/7), 25p per mile excess mileage charge, reducing the tyre replacements allowed, removing european cover and the currently suspended drive smart app that seems to have caused some people to have been kicked off the scheme incorrectly.

I personally decided to leave Motability and use my benefits towards the purchase of my own car, off the scheme.  I went for a mild hybrid Suzuki Swift which was available (in April) with up to 5 years interest free credit with zero deposit.  I got £600 off the list price via CarWow and saved the first year £365 VED by using my entitlement. I'm averaging 65 mpg and am very happy with the car, apart from all of the nanny tech.  Suzuki also offer an up to 10 year warranty which is activated via a dealer service which adds a one year extension for every year from the end of year 3 up to year 10. I've worked it out and over the 4 years, allowing for PIP increases annually, I reckon the total additional cost per month I have to find is £100 including an annual service, insurance and tyres.

I came to the conclusion that I didn't want to deal with the Motability changes and would just get my own, which I will keep  after the 4 years is up meaning that my PIP from then on goes into my pocket.  I appreciate that's I'm lucky in that my credit is good meaning that this was an option available to me.

Another daft thing to point out is that getting the car brand new meant that I could have 0% finance.  Buying a pre-registered or 1 year old car meant 8.9% so save on the car price but lose a large chunk of that saving on interest so it didn't make sense.

Hope this is useful.

Thanks for your reply. Sounds like she's going to have to pay up then 

My Ex Wife was taking my younger son down to catch the bus to Newcastle.  She stopped at the bus stop, he got out with his bag and waited to catch the bus. Letter says in effect caught by CCTV stopping at the bus stop.  Surely this is covered by boarding and alighting but, then again, that's why I'm here, to ask for advice .  Many thanks!