unfair Motability decision — Scope | Disability forum
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unfair Motability decision

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nicolajmonaghan
nicolajmonaghan 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? 
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  • wilko
    wilko Community member Posts: 2,458 Disability Gamechanger
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    Hello have you tried other insurance companies??? 
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  • nicolajmonaghan
    nicolajmonaghan Community member Posts: 3 Listener
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    They won’t build the adapted car without Motability insurance.
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  • poppy123456
    poppy123456 Community member Posts: 54,023 Disability Gamechanger
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    Was it a motability car that you were driving at the time? If so why have they refused to insure you again?
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
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  • Cressida
    Cressida Community member Posts: 1,016 Pioneering
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    How old are you? If you are under 25 insurers will see you as a bigger risk. Do you have any no claims bonus?
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  • nicolajmonaghan
    nicolajmonaghan Community member Posts: 3 Listener
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    I’m 29
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  • poppy123456
    poppy123456 Community member Posts: 54,023 Disability Gamechanger
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    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?
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
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  • April2018mom
    April2018mom Posts: 2,882 Disability Gamechanger
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    Call Motability to see if they can help.
    Do you have a no claims bonus or not? 
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  • atlas46
    atlas46 Community member Posts: 826 Pioneering
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    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.
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