The number is actually 1/5. It has increased from 1/8. You would suggest that’s because people are now getting more “free” cars because they have acne. In fact what’s happened is the “1” part of that ratio hasn’t changed. The number of motability cars being ordered each year has largely remained stable for a long time. It’s the other part of the ratio that has reduced. New car registrations across the board has plummeted since the pandemic. More people work from home, fewer companies have fleet cars, cost of living means people are not buying new cars. This is also evidenced by the boom in the second hand car market in the past 5 years. To put it plainly if out of 100 cars sold, 13 were motability, that gives you 1 in 8. If now only 60 cars are sold, but 13 are still motability, that gives you 1 in 5.
My daughter’s “free” car is going to cost us £2,900 in down payment, plus £500 for adaptions, and will take the mobility part of her disability benefit. This is largely the same as it would cost to lease the car outwith the scheme. She won’t be able to build any no claims bonus so if she comes away from the scheme in the future, any money she saves on not paying insurance will be eaten up by paying full price for insurance. If we went private on her car at the moment, insurance would cost us £3,000. Because direct line exclusively insure motability cars, they have a different risk profile for those customers, Motability are not paying that amount for her. It also means we won’t be ripped off by lease companies deciding the tiniest ding to a wheel means they all must be replaced when we hand it back.
If we wanted to replace the car we have for her at the moment, the down payment is 5k. The trope of people getting free BMWs on motability is so obviously false. To get an i4, your down payment is 6k.
To suggest we can’t afford to support disabled people because the numbers are too high is ridiculous. Can you imagine if the government said there are too many children to educate so we just won’t educate them all? The numbers are high because the systems in place have routinely ignored what started as a minor problem but is now a bigger issue. You can’t shut down schools, the NHS and remove services for disabled people for 2 years during a pandemic and expect to open them up and things are the same. Schools have been blaming parents for the poor academic and behaviour issues with their children for decades, and we’ve been telling them they are wrong. When parents took over educating their ND children in the kind of environment that allowed them to flourish, it became clear that is wasn’t the parents or kids who were the problem. Of course when those children had to return to schools, more parents are pushing for EHCPs in order to get the best for their child.
If the country can’t afford to support poor and vulnerable people, but still feel they can afford to give tax breaks to wealthy individuals, wouldn’t a better idea be to reduce the tax breaks for wealthier people? The argument against this is that rich people will leave. Nobody considers that the argument for cutting support means that generations of children will fail. Their life outcomes will be poor, they will not be able to support themselves, they will live miserable lives, and die young. Perhaps that’s actually what the government is counting on.