unfair Motability decision

nicolajmonaghan
nicolajmonaghan Online Community Member Posts: 3 Listener
in Transport and travel
Hi, I’ve been a driver for 3 years, had a car for 4 years. I was recently involved in an accident which was nearly fatal for me, the brakes failed. The insurance have declined to insure me again meaning no car. Has anyone been in this position before? I really need a car for my daily life. Is there anything I can do? 

Comments

  • wilko
    wilko Online Community Member Posts: 2,439 Championing
    Hello have you tried other insurance companies??? 
  • nicolajmonaghan
    nicolajmonaghan Online Community Member Posts: 3 Listener
    They won’t build the adapted car without Motability insurance.
  • poppy123456
    poppy123456 Online Community Member Posts: 62,445 Championing
    Was it a motability car that you were driving at the time? If so why have they refused to insure you again?
  • nicolajmonaghan
    nicolajmonaghan Online Community Member Posts: 3 Listener
    I’m 29
  • poppy123456
    poppy123456 Online Community Member Posts: 62,445 Championing
    Please answer this question. Was it a motability car that you were driving at the time? If so why have they refused to insure you again?
  • April2018mom
    April2018mom Posts: 2,863 Championing
    Call Motability to see if they can help.
    Do you have a no claims bonus or not? 
  • atlas46
    atlas46 Online Community Member Posts: 817 Pioneering
    Hi @nicoljmonaghan

    Have you been banned from driving in the past five years?

    That is the only reason that would involve being declined insurance, on the Motability Scheme.

    Please note, there is no arbitrary, decision making process, to render anyone from not being insured.

    Have you had written confirmation from Motability about this decision?

    These questions if answered, will enable us to be better placed, to assist you, in this matter.
  • Athan1963
    Athan1963 Online Community Member Posts: 1 Listener

    I have been refused a car on the Motability Scheme because I was banned my ban is over it will be a year in January. I made one silly mistake which I would never do again, I am 61 and I have fybramyalgia, arthritis, and mental health problems which hampers me from getting out so can I appeal it at all as I feel it's unfair that I have to wait till 2028 am constantly stuck in my bedroom which is not helping my mental health condition 🙃

  • poppy123456
    poppy123456 Online Community Member Posts: 62,445 Championing
    https://forum.scope.org.uk/discussion/comment/952653#Comment_952653

    For anyone that's been banned from driving are excluded from driving a Motability vehicle for 5 years from the date of the conviction. See link.

    https://www.motability.co.uk/get-support/faqs/driver-has-points-or-been-disqualified/#:~:text=Yes%2C%20any%20driver%20who's%20been,shown%20on%20their%20driving%20licence.

    You can ask them to look at the decision again by contacting them.

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