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Insurance on motability

Hi everyone,
I have been awarded ongoing enhanced mobility for PIP, so I’m looking at getting a car through the motability scheme.
The problem is this: my husband is my carer and works part-time on a self employed basis as a photographer. He only goes out on a photo shoot once or twice a month, maximum, as the majority of his work is at home on the computer. He works about 12 hours a week all together,
I used to drive but due to health problems I haven’t driven for over three years, so my husband will be the main driver.
Do you think they will be happy for him to drive the car to photo sessions? If not he’ll have to consider doing something else.
thank you.
I have been awarded ongoing enhanced mobility for PIP, so I’m looking at getting a car through the motability scheme.
The problem is this: my husband is my carer and works part-time on a self employed basis as a photographer. He only goes out on a photo shoot once or twice a month, maximum, as the majority of his work is at home on the computer. He works about 12 hours a week all together,
I used to drive but due to health problems I haven’t driven for over three years, so my husband will be the main driver.
Do you think they will be happy for him to drive the car to photo sessions? If not he’ll have to consider doing something else.
thank you.
Replies
@bobcat
The disability car is for the disabled person only. So your husband cannot use it for work or Business. But he can be registered as the main driver and take you anywhere you need to get too.
Well done on your ongoing award btw.
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
This will help you understand futher.
Misuse would include:
See this for full Motability regs. https://www.motability.co.uk/about-the-scheme/how-your-car-can-be-used/
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
We did think that might be the case.
I had been on indef DLA and then transferred to PIP. First assessment was a nightmare and only given two years award, with a review after 10 months, so to get ongoing, until ‘at least 2029’ was a massive relief!!
Thankfully my husband never goes to the pub! Lol.
I also get ongoing PIP and I bought a 4 year old car with less the 20.000 miles on the clock. I was on Motability but to have the car from them really was not worth keeping as I was not using it much.
That may be a way to go if you can afford to do it that way or you only do low milage.
My insurance is only £220 a year. Oh zero tax also.
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
That sounds crazy to me! My husband invariably has to go food shopping without me as I am too ill to leave the house - if he didn’t we would starve!
I think I’d better give Motability a call on Monday. If those really are the rules it would be useless for us and for many other disabled people too.
unfortunately, as my husband is my carer, and can therefore only earn a very limited amount, we don’t have the money to be able to buy a car. We’ve been leasing a car, but that started when my husband was still working, before my health deteriorated even further. We’ve now found ourselves in catch 22. I don’t think any companies would lend us money for a car, but we need one as I can’t walk more than a few feet. Worse case will be that he’ll have to give up the photo work and we’ll have to tighten our belts even more!
Also added below here is for a few people confused by the usage of the vehicle.. From the Motability site. We’ll ask you to make sure: The car is used by, or for the benefit of, the disabled person.
This does not mean that the disabled person needs to be in the car for every journey. In practice, this means other named drivers in the household can use the car for shopping and other routine activities, as long as the disabled customer will benefit Only drivers approved by RSA's standard insurance underwriting criteria and listed on your Certificate of Motor Insurance can drive the car*
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
Might not be a problem then.
There is nothing to worry about.
What you have been quoted on this thread are the guidelines of the Motability Scheme.
There is no hint of abuse of the scheme, in that the car will be used by your husband, to maintain joint income of the household (for your specific benefit).
In legal terms, all you need to prove is a “causation link” in any use of the car.
In your case, without said photo shoot, destitution might await you.
I provide a worked example, I have a Motability car, my wife has COPD, as a consequence each month she attends her GP, using the car (without me).
There is a causation link, in that if my wife does not use the car, then her health and well being will be put at risk.
As a further consequence so will mine.
Let us know if you need more assistance or guidance.
Best wishes.
Thank you so much for your response. That to me sounds like common sense!
The fact is that my husband gave up full time work three years to become my carer as I have, unfortunately, gradually lost the ability to be independent. So .... the finances have been pretty tight!😳
On average he only does about 1.5 photo shoots a month .... (he can’t earn more or we’ll lose the Carers allowance) but it makes a real difference to our household budget.
We’re going to phone motability tomorrow and ask them.
Make sure you explain in detail about your financial situation.
Also the fact, if you were able to drive, you would drive your husband to his photo shoots..
But due to your disabilities you are now unable to drive.
Also, stress the causation link in using the car, to maintain you modest household income ( for your specific benefit).
I have always found the staff at Motability, both friendly and helpful.
Let us know how you get on.
Best wishes
bobscat I've read here your car at present is due to run out in November why not ask Mobility if you can buy the car of them, I don't know how much you would have to pay but worth asking.
Atlas46 Mobility I've too always found them very accommodating, But I'm pretty sure the insurance that's supplied is not for Business purposes.
bobscat I hope Mobility can do it for you and can proof me wrong, but I don't think I will be on this.
Good luck.
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
The car is not being used for business purposes, it’s being used for transport to his workplace.
As would be the case if I used my car to and from a place of employment.
We will find out shortly after @bobscat has made her call to Motability.
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
@poppy123456 just re, read bobscats post above, and god hell your right "Again" 👍 I'm gonna keep of my pills methinks🤣
Perhaps poppy in that case they could ask the leasing company if they will sell it at a good price..
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
Keep well. ❤️
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
1, using the car to go shopping benefits the claimant by providing their food.
2, Going out with out the claimant, is, to play darts bowels ect, benefits the claimant as he or she is happy knowing you are having a break from caring if only for a few hours.
3,using for trips out, as intended
where do we draw the line I know of people who do all of the above with their partners mobility cars .
Scope
If you have a few minutes to spare, we'd appreciate your feedback on our online community.
Hi @babscat, The car has to be used by, or for the benefit of, the disabled person.
This does not mean that the disabled person needs to be in the car for every journey.
In practice, this means other named drivers can use the car for shopping and other routine activities, as long as the disabled customer will benefit.
The fact that your husband is using the car to provide income is surely a benefit to you.
Only drivers approved by RSA's standard insurance underwriting criteria and listed on your Certificate of Motor Insurance can drive the car.
Obviously if the disabled person is not present in the car then there is no valid Blue Badge entitlement, but in all cases the disabled person must benefit from its use.
Best wishes.
DLTBGYD
Thank you all so much.
I rang today and explained the situation, how few hours/miles my husband works per average month, and the benefit of that work to our finances and therefore to my well being. They have agreed that the car can be insured for his photo work!!
Phew .... I’d been so worried.
Very happy now 😊
There you go @bobscat ⭐️⭐️⭐️⭐️⭐️ Glad to help. BUT a big BUT?
One thing if I was you, is if you can is get it in writing, just me, I trust no one.
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
You are really are an old cynic (I am worse than you, when it comes to DWP).
This is good news, that Motability has confirmed the “causation link” to our dear friend @babscat has now been informed, her dear husband can maintain his modest employment, on her behalf.
I am sure that @babscat will be able to retrieve this thread, should the need arrive, following her phone call to Motability.
It is an important decision that shows “guidelines” are not rules of law, into the use of a Motability car.
I remain at all times, a cynic of DWP, despite the best efforts of my dear friend @Government_needs_reform, who might try to persuade me otherwise!!
the reason I'm like it is not official if it's isn't unless I have it in writing?
Even anything talked about over the phone has even to be confirmed in writing.
The DWP are a classic example I have all dealings with them in writing.
I remain a cynic to anything, I now know @atlas46 means it as I have it in writing🤣🤣🤣🤣👍
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
Scope
If you have a few minutes to spare, we'd appreciate your feedback on our online community.
I totally get what you mean..... I have the name of the person I spoke to and the name of the underwriter too!
The person I spoke to was very helpful and extremely thorough too, so I have full confidence in their advise and, excitedly, will be looking at cars now!!
massive relief .... now the fun of choosing our next car!!
Can I please get back to you in the next few days.
I am about to board my Leer jet, as I need to move several Billions of Dollars, from my Yorkshire bank account, to Zurich and then on to off shore accounts.
Yes I still claim PIP, but I am a lawful claimant.
I further attest, I lack the capacity to verify your capacity to be a cynic of DWP !!
RSA is the insurance company 'Royal Sun alliance' and they do the underwriting.
Just having a name is really not worth anything unless it's in writing, the person you spoke to maybe generally a really nice person, but then say later on NO I didn't say or do that.
But again it's not valid proof...
I myself would feel better having it in writing, take it for one instance you you and your husband had an accident coming back from, or going to a phot shoot, then the insurance company need to know what happend?
Then you say for arguments sake we was going to do a photo shoot.
If it's not confirmed in writing you may also not be covered by this what you e been told over the phone.
Me again over thinking everything again.😤
babscat, do what your happy with.😊
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
@atlas46 of course you can, as long as it's all in writing. Behave you should know better?
Now you now know, as I've put it to you in writing. Take care.
@babscat good luck and hope it all works out okay for you both.👍
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
@babscat That's a result then, as you will have it in writing ⭐️⭐️⭐️⭐️⭐️
I created one of the campaign election video for Labour, and Jeremy Corbyn,
This is a new version of Emeli Sande, Hope "You Are Not Alone
You can see the video here.
https://m.youtube.com/watch?v=P5o8hRHh9IY
Scope
If you have a few minutes to spare, we'd appreciate your feedback on our online community.
1) enough space (with the back seats down) for my scooter, and, importantly, our dog Maddies, crate.
2) perfect height for getting in and out (for my hips)
3) the most amazingly comfy seat!! It has 16 way adjustments - bliss!!
We think we’ll be placing the order at the end of August. The garage said to allow at least 3 months so hopefully delivery before Christmas.
Can’t wait!!!
I never knew such seats existed!