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Thread: Car insurance after motability

  1. #1
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    Car insurance after motability

    Hi All,
    I have just been re-assessed for PIP after having lifetime DLA, I was awarded 10 points for my lack of mobility, but scored 0 points because I didn't show any mental issues and can follow and plan a journey (who should be driving a car if they have mental issues?), anyway that's another story, the upshot is I have to return my motability vehicle and start to plan to purchase a car.
    Has anyone been through this? I received a letter from RSA stating that I have 5 years no claims (or motability's version anyway) this apparently isn't accepted by all car insurers.
    Is there a car insurer out there that offer a good deal and accept ex motability?
    thanks for any feedback

  2. #2
    Senior Member Lighttouch's Avatar
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    From your point of view I'd ask Motability for a quote to buy the Motability car you need to hand back - then find out about the cost of buying it over three or five years if it's already fitted with adaptations.

    Otherwise buy a secondhand car about 5 years old. I bought the old Renault Scenic off Motability after an extended lease - it cost about £4,000. Like you I was worried about car insurance as I hadn't got any no claims bonus having been on Motability's block insurance scheme.

    But don't worry as there is a car insurance company that specialises in insuring ex-motability users.

    Fish car insurance phoned RSA and gifted me 9 years no caims bonus and quoted me £345 which included extras like home start and recovery service.

    The trouble is if you go on a standard car insurance website that looks at comparison car insurers they tend to treat disabled drivers as if they are 'beginners' and hike the prices up in line with teenagers.

    Fish will give you a very competitive quote but will undercut competition if you can find it cheaper. I pretended that my household contents insurer could undercut any car insurance cover. I told Fish and they matched it.

    These days I stick with the same company as they are very competitive.

    Good luck!

    https://www.fishinsurance.co.uk/prod...e-get-a-quote/
    Last edited by Lighttouch; 09-12-15 at 23:12.

  3. #3
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    Quote Originally Posted by Lighttouch View Post
    From your point of view I'd ask Motability for a quote to buy the Motability car you need to hand back - then find out about the cost of buying it over three or five years if it's already fitted with adaptations.

    Otherwise buy a secondhand car about 5 years old. I bought the old Renault Scenic off Motability after an extended lease - it cost about £4,000. Like you I was worried about car insurance as I hadn't got any no claims bonus having been on Motability's block insurance scheme.

    But don't worry as there is a car insurance company that specialises in insuring ex-motability users.

    Fish car insurance phoned RSA and gifted me 9 years no caims bonus and quoted me £345 which included extras like home start and recovery service.

    The trouble is if you go on a standard car insurance website that looks at comparison car insurers they tend to treat disabled drivers as if they are 'beginners' and hike the prices up in line with teenagers.

    Fish will give you a very competitive quote but will undercut competition if you can find it cheaper. I pretended that my household contents insurer could undercut any car insurance cover. I told Fish and they matched it.

    These days I stick with the same company as they are very competitive.

    Good luck!

    https://www.fishinsurance.co.uk/prod...e-get-a-quote/
    Hi

    Ive always found the likes of fish expensive for me (they wanted around £900 for my touran sport) I got to down to £496 in the end with IAM surety (only if your an IAM advanced level car driver though) the same goes with the meercats website and the like ive just generally phoned around because with a modified vehicle you cant always get a quote online. Although when mine is due in April im going to go through a broker this time and let them do the leg work for me.

  4. #4
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    Hi Tony, Be sure to use comparison Sites before you contact Fish for a quote because they endeavour to match or beat the lowest quote you get from Sites like Meercats, don't ask me why ? it's just the way they operate.

    Like you I had the standard letter from RSAM but the nice Fish man told me they take up to 11 yrs. NCB .....all I had to do was grant them permission to contact RSAM.

    ?435 is what I paid in the end so "they quote me happy" so to speak

    If Fish ask me for too much on renewal, I'll be using a Broker for sure TBH I'd forgotten all about Brokers until I saw them mentioned in this thread.
    Last edited by Number7; 10-12-15 at 16:39.

  5. #5
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    Hi just wondering did you go through the MR and appeal process? You were only a couple of points short of the 12 needed to stay on the Motability scheme.
    Caring is an art not a science

  6. #6
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    Sorry perhaps I misunderstood but Tony said he had scored 10 points for 'lack of mobility' so I assumed this was for the mobility component of PIP? Maybe the 10 points was for the care component?
    Caring is an art not a science

  7. #7
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    Rsa will honour no claims but may be expensive. I did quotes on site offering free toy or cinema and cheapest 229. Rsa 384. But cheapest no accept ncd.

  8. #8
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    Rasy, Tony and McClonk are correct. There are two of the 11 PIP categories that add up to the mobility component "getting around" and "pllanning and following a journey", for which Tony got 10 and 0 respectively. The other 9 categories add up to the care component.

  9. #9
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    And of the 2 only 1 deals woth physical issues.

  10. #10
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    Thanks for the contributions folks.
    Well my car has gone, I now have the dilemma of travelling 40 miles a day to and from work, but I can't walk more than 50 metres (official score from DWP).
    The good news is that I can plan how to get there, but I can't put the plan into action.
    The nearest bus stop is a mile away and the nearest train station is 5 miles away.................but I have to get the bus to get there.
    If I managed to get a train, my workplace is 3 miles from the nearest station at the other end.
    I have been working since I was 15, I am lucky enough to have never had to claim any unemployment benefit, but now I have to consider if it is possible to carry on working, I can't afford a new car and I am petrified of breaking down if I buy a dud second hand model.
    Sorry about this, I am just feeling very let down and sorry for myself today.

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