Independence And Freedom Through Motability Cars

Motability cars enable the disabled to enjoy a level of independence and freedom the rest of us take for granted. It’s a scheme without parallel, a real success story.

The Motability Scheme is directed and overseen by Motability, a registered charity. Motability also raises funds in order to provide extra financial help for Scheme customers with special needs. These Scheme customers might otherwise be unable to afford the car of their choice.

Motability also administers the Specialised Vehicles Fund, a government fund providing financial help for customers who need to travel in their wheelchairs. The charity also provides technical support for both the customer and for members of the adaptation and conversion industry.

The actual running of the Motability Car Scheme and the Powered Wheelchair and Scooter Scheme is the responsibility of Motability Operations, a not-for-profit company which is owned by the UK’s major banks – Barclays, Lloyds, HSBC and the Royal Bank of Scotland.

Everything about the company is staggering! Assets total £3.7 billion and annual turnover exceeds £2.2 billion. The company sells some 145,000 used cars every year. Cars purchased amount to six per cent of all new cars sold in the UK.

Since 1978, the Motability Scheme has provided 2.5 million cars, scooters and powered wheelchairs for the disabled!

So what can you expect from the Motability Car Scheme? A heck of a lot is the answer. And years of hassle-free motoring, too.

But you’ve got to qualify first.

No problem if you receive the high rate component of the Disability Living Allowance or the War Pensioners’ Mobility Supplement. Turn part of the allowance into the car of your choice and let Motability take care of the rest. Simple.

So what do you get for your money? For starters, some 4,000 brand new cars to choose from. Insurance taken care off, servicing, maintenance, RAC breakdown cover, annual road tax paid, tyre and windscreen replacement, 60,000 mileage allowance over three years, and many adaptations at no extra cost.

What a package. Forgot to mention there are no waiting lists, credit checks or assessments to worry about either. When the three-year lease comes to an end, simply transfer everything to a new car! It doesn’t come any easier than that.

No wonder the vast majority of customers opt for contract hire instead of buying a car outright, via a hire purchase agreement, for example, which doesn’t include insurance, servicing, breakdown cover or maintenance.

With the Wheelchair and Scooter Scheme, you get all the support and help you’ll ever need to enjoy hassle-free mobility. Again, the same qualifications apply as in the Motability Car Scheme.

The lease covers a choice of some 200 products. You’ll get a new scooter or powered wheelchair every three years at a standard, UK-wide price. No shopping around. Insurance covering injury to people or damage to property is included as is damage to your own wheelchair or scooter.

Add in 24/7 breakdown assistance, servicing, maintenance and repairs, and replacement tyres and batteries and you’ve a mobility package second-to-none. What a deal!

Auto Salvage Auction: Sale Documents

There are literally thousands of vehicles with minor to extensive damages being written off by insurance companies and owners each day. Most of them end up in salvage auctions, and you can now buy salvage cars though auctions easily thanks to online au

to salvage auction websites currently available. Before you make a purchase, however, you need to be extra certain about the car you are buying.

The best sale document category to come with a salvage car is the clear sale document. When you see this as the status of the car’s documentations, it means the car is still road legal by law and you can use it as a day-to-day car after some repairs. The cost of getting salvage cars with clear sale document might slightly be higher, but it is still substantially lower than the actual cash value of the car.

Cars with salvage sale document can only be used as sources of parts and cannot be restored. The car has been completely written off by the insurance company or previous owner. Although you can restore the car and try to obtain new documents, the process will be rather costly, less beneficial, and time consuming to go through.

Buying Salvage Cars: Factors to Consider

Whether you are buying salvage cars for parts or any other reason, you need to consider the necessary aspects properly before finalizing your purchase decision. With more auto salvage auction websites currently available, finding available options wouldn’t be a problem at all. There are several factors you can consider when comparing salvage cars to purchase, and we are going to talk about them in this article.

First of all, check out the presented details about primary damage and secondary damage. The primary damage is where the car is hit in a collision; if the car has a front primary damage, it is safe to say that the engine compartment and sometimes the front cabin are heavily damaged. A secondary damage is minor damages caused not by the accident directly.

Next, check the sale document for the car. If the car has a salvage sale document, driving it on the road even after you repair the damages will be nearly impossible; you will need to get a new registration and meet a lot of requirements before you can use the car regularly. If the car is sold with a clear sale document, on the other hand, you can drive the car legally without hassle after it is repaired.

Understanding Basic Auto Insurance Coverage Types

Today, it is mandatory to have proper auto insurance policy if you are a car owner. The insurance policy is designed to protect you against financial risks and liabilities in the event of a car accident. Before you go ahead and purchase an auto insurance policy, however, you need to first understand the two basic types of insurance coverage offered.

First, we have the comprehensive coverage. Auto insurance comprehensive coverage will protect you against natural disasters and unwanted circumstances other than a collision or a car accident. If your car is damaged in a riot and your auto insurance comprehensive coverage covers riots, for example, you will get the necessary funds to repair your car.

Next, we have the collision coverage.

As the name suggests, auto insurance collision coverage is the type of coverage that protects you in the event of a car accident. Whether you are causing the accident or you are the victim in the circumstance, the insurance policy will kick in and you will have your car repaired in no time.

Don’t hesitate to seek car insurance advice before finalizing your purchase decision, especially when it comes to determining how much comprehensive coverage and collision coverage you need.

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