by phatboyroy » 08 Jan 2012, 19:50
Hi Seren, (that's Welsh for star isn't it?) dipidy.
Notwithstanding you being awarded a grant, I fall on the side of private purchase.
As a replacement vehicle approaches, I get my fingers and toes out. I did my maths and determined that in 5 years time when you (me in this case) give the Grand Voyager? back you'll have spent approx £10,000 a year. Because unless I’m very much mistaken £24k plus 5 years mobility and you don't end up with anything at the end seems an expensive trip to Sainsbury's.
I paid £20k for my latest (4yr old 18mth ago) GrndVoyagr and yes we had trouble which was sorted by the dealer, but assuming it was a private sale; I’d still have £30k in my pocket to repair said vehicle. Then at the end of 5 years, (or sooner as desire takes you) you still have a vehicle to sell. Which you wouldn't have if you went via motability.
Additionally, if you've taken a shine to 'your' vehicle, it's unlikely you'll be able to buy 'your own' vehicle back after the 5 years; as motability do a deal with (in this case) Chrysler whereby they get the car cheap new, on the understanding that it's sold back through the dealer network. Any dealer logs on to the ‘secret dealer web site’ and buys the vehicle, and puts it on his forecourt. Of course the dealer network is nationwide so any dealer could buy it.
If it were me looking now, I’d look around for a low mileage side ramp auto 07 coming off motability say. You'll pay 18k - £20k ish and get a good (gold 5 star whatever) warranty that covers the lot, (I’d recommend Warranty Direct - forget AA warranty they don’t cover a lot of stuff) for approx £500 -£600 a year. Warranty it year on year. You'll pay £500-£600 insurance, (Fish do a replacement vehicle - but also see LV) £150 -£250 per year on tyres if you do a fair bit of motoring, (assuming 12k – but that’s a lot really) A full set should last you 25k miles if you drive easy, say £100 a tyre at 4 tyres every 2 years, (keep £100 in your pocket for a puncture). Go to a trusted local VAT regd, (must be VAT'd to keep warranty valid) garage to do your servicing, say £300.
Of course this is with the caveat that my motoring requirements, (a gentle 6k a year) may not match yours.
Also as Burgerman says, rear rampers ‘intrude’ into the access and luggage capabilities, and should be avoided.
I see you mentioned, Grand Voyagers. You may like to check the seating in the Grd Voyager , my previous had the 2 additional mid seats which were kept upstairs when not required, and wheeled/clamped in place when needed. You could seat 7; including me upfront pax in elect wheelchair and scary wife as driver. I’ll warn you it’s not an easy task wheeling these extra 2 seats in place, a delicate flower, (my dear lady) wouldn’t be able to do it they are sodding heavy.
So instead of £10,000 a year you'll pay
£500 -£600 warranty (relative peace of mind sorted)
£600 - £650 insurance
£300 servicing
£250 tyres
You’ll have spent £2.5k and change a year, (bank manager happy)
Take me on holiday with the other £7k. ish (me happy - sorted)
Be well
Roy