Re-newing motability car

[techmanpaul]

Hi All, i am new here this is my 1st post,
I am currently in my 3rd and final year of my 1st ever motability car, and during the 3 years the car was stolen but recovered, and a separate claim where i scuffed the paintwork was made.
People have been telling me that RSAM insurance will refuse my 2nd car due on 13th jan 2013 due to making 2 claims on my 1st car which is really worrying me.
Can anyone give me any genuine advice on this please?
Thank you in advance for any help given
Paul

[hemiman]

Hi Paul

I recommend ringing motability up and having a chat with them, i've just decided not to renew with motability and rang them several times over the past 3 months, they could not have been more helpful. By contacting them it will give you and answer which ever way and hopefully stop you worrying.

[Paul]

I wouldn't worry about it.

I think the limit is 3 (fault) claims during the lease, and as theft isn't your fault I really wouldn't be too concerned.

Do call Motability though as mentioned above, they are nice and should put you at ease.

[CTCELT88]

Paul is right, 3 claims is normally the limit, although you can appeal to Motability to continue being on the scheme.

[Paul]

Also in future don't bother with claiming on the insurance for light scuff marks or scratches - as long as they are minor, they are treated as fair wear and tear and will not affect your good condition bonus.

I scraped the rear-quarter of my old Qashqai against the concrete fence posts on my driveway, the marks went down to the undercoat but they were accepted as wear and tear.

I got my £250 bonus cheque yesterday.

[paul1234]

I had a minor bump the other week. A scuff and small tear on the rear bumper which the dealer said is classed as fair wear and tear.
I trust you are happy with your new car.

[Paul]

Yeah love it.

The left-foot accelerator takes a bit of getting used to but is brilliant to use mid-driving when your right leg cramps up.

I can't believe I waited this long to get an auto too.

I've done just over 1200 miles in the 2 1/2 weeks of ownership! And now it's run in, it's bloody fast!

[Lighttouch]

You;ll be fine. RSA look at claims made over the last 5 years. Some time back I was refused a motability lease hire car as it was on my record that I'd made 5 claims. The thing was I now realise they would have been considered 'fair wear and tear' and I shouldn't have gone through the insurance to repair the scratches.

All I did was write to Motability and they were happy to reinstate me on the scheme.

My advice - if ever you get minor damage done to the paintwork find a 'one man band' retoucher who can repair the damage. Try not contacting RSA unless it's really needed that way you r insurance record will remain clean.

[CTCELT88]

Also in future don't bother with claiming on the insurance for light scuff marks or scratches - as long as they are minor, they are treated as fair wear and tear and will not affect your good condition bonus.

I scraped the rear-quarter of my old Qashqai against the concrete fence posts on my driveway, the marks went down to the undercoat but they were accepted as wear and tear.

I got my £250 bonus cheque yesterday.

I got my £250 cheque last week, first time i have had the good condition bonus. Im on my 4th motability car so was pleased to get the bonus.

[Paul]

My wife was pleased to get the bonus