Motoring with multiple sclerosis (view report contents)
Finance
Here are ways to finance a car. See also Ricability's guide Ins and Outs of choosing a car on finance.
Cash
You may be able to negotiate a greater discount if paying up front.
Personal loan
Lets you own the car from the start – flexible payment periods, during which you pay interest.
Hire purchase
You pay a deposit and repayments with interest, usually over two to five years, and own the car at the end.
Personal contract plan and lease purchase
You pay a deposit and monthly payments; at the end of the contract you can hand the car back or buy it at a prearranged price.
Motability
Contract Hire and Hire Purchase Schemes set up for disabled people, using the Higher Rate Mobility Component of the Disability Living Allowance (DLA) or the War Pensioner’s Mobility Supplement. May also be able to offer help in the form of a grant.
Motability
Warwick House
Roydon Road
Harlow
Essex
CM19 5PX
Tel: 01279 635999
Fax: 01279 632000
Textphone: 01279 632213
Customer Helpline: 0845 456 4566
www.motability.co.uk
Charities
You may be able to get an individual grant from local charities see Ins and outs of choosing a car
Statutory sources
Social services may be able to help you with costs if you do not get DLA. Or if you are in or applying for a job, try the Access to Work scheme. Contact your local Job Centre for information or vist www.jobcentreplus.gov.uk.
VAT exemption
You do not pay VAT on adaptations, their installation, repairs nor maintenance. If you use a wheelchair or stretcher, you may not have to pay VAT on the purchase price of an adapted car; information from HM Revenue and Customs.
Vehicle Excise Duty (Road Tax)
You don’t have to pay this on your car if you get the Higher Rate Mobility Component of DLA or the War Pensioner’s Mobility Supplement; get an exemption certificate from the DLA Unit (08457 123456) or the Veterans Agency (0800 169 2277).
Car insurance
under the Disability Discrimination Act, insurers are not allowed to
refuse disabled drivers insurance or charge extra without justifying evidence.
Shop around for the best deal. Mobility
Centres and Mobilise: the organisation
for disabled drivers have lists of companies that specialise in insurance
for disabled drivers and try other disabiliity organisations as well Helpful
organisations
Report Contents
About
this guide
Driving
with MS
Choosing
a car
Plan
of action
Products
and techniques
Finance
Further
information
Helpful
organisations
