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It may be illegal to do that. There was a parliamentary battle about whether to prevent insurance companies charging different genders different prices for car insurance. The insurance companies justified this by proving that about 70% of every claim made in motor insurance was caused by a male driver aged between 17-23 and it was that male age group that had been charged approximately 3 times more than a female at those ages as they were statistically far more likely to cause a crash. Gender insurance policies were equal from age 24 onwards. Parliament threw out the statistical and risk argument and made it illegal to discriminate policy costs due to gender. This meant females insurance costs when aged 17-23 raised considerably to cover the cost of vehicle repair and medical injury claims caused by this age group in order to make both genders equal.

I've no idea whether it's illegal to charge someone more because they have a disability but if insurance companies can't charge young males more despite them being the cause of the majority of claims it makes it unfair to charge a disabled person more because they are disabled. I know that "housewife" as an occupation increases prices. Housewives are obviously all bonkers or do nothing but drink G&T all day before the afternoon school run.
Disability Talk / Re: Heavenly telephone options!
« Last post by Fiz on June 19, 2018, 07:11:46 AM »
That's impressive. Is it possible to name and praise the company? Obviously don't,  if it reveals anything at all personal. I hope that other companies follow on and do the same.
Disability Talk / Re: Motability vehicles and insurance regulations
« Last post by Fiz on June 19, 2018, 07:06:25 AM »
No the disabled person doesn't need to be in the car when it's used, but its use when they're not present must be for the purpose of the disabled person which could include collecting their child from school. It says that clearly in the motability information pack that I've been sent. I was going to add the link to the relevant motablity page that says that too but the motability website is down approximately 70% of the time and it's down at the moment. This site is out of date as it doesn't mention PIP but explains the use of the vehicle
No one can use the disabled persons blue badge unless they're in the car.
Disability Talk / Re: Should I be worried
« Last post by Fiz on June 19, 2018, 06:47:55 AM »
Do you have to tell the DWP that you're going to be abroad for a week? I hadn't realised that. A charity is taking me to France on the 2nd. I'm absolutely petrified about every aspect of the trip but now I'm worried about this. I will never get a form in time to return before the 2nd will I?
Disability Talk / Re: Should I be worried
« Last post by JLR2 on June 18, 2018, 10:51:44 PM »
Here's hoping :-)
Disability Talk / Re: Should I be worried
« Last post by auntieCtheM on June 18, 2018, 10:47:23 PM »

Put it down to the vagaries of the post.
Disability Talk / Should I be worried
« Last post by JLR2 on June 18, 2018, 08:56:05 PM »
The other day I had a brown envelope from the DWP and was somewhat thrown by it as I had contacted them only the day before to ask for the particular form contained in it.

I learnt a while back that if a claimant knows they are going to be out of the UK they are compelled to obtain this form and return it before they go abroad and so made the phone call, the form is not available in local job centres hence the phone call, trouble is for me at least the day following my phoning to request the form one arrived on my doormat.

You might say very efficient, well done the DWP but first there was for me the issue of how come a second class postmarked letter arrived within 24 hours of my asking for it?  The real intrigue starts though with my next letter from the DWP. The second letter contained the very same form which I had asked for previously and was posted using the same 2nd class pre-printed stamp on the envelope. The second letter arrived just as I would have expected the first one to have arrived, that is to say within a week or so of my asking for it, certainly not as happened with the first, arriving the next day.

So my quandary is were the DWP expecting my requesting of the form for temporary absence abroad and posted one to me 'without my requesting one' ?  Does this suggest there is more going on with regards to my benefits and of which I should be wary of?  If the DWP were expecting, perhaps through recent close monitoring, examination or investigation of my benefits claims history that I would be making a request for this particular form that they also have an idea of my timetable so far as arrival time/day at the airport involved?

It's a strange one but one wonders doesn't one?  Should I be concerned?
Disability Talk / Re: Paultons Park
« Last post by Sunny Clouds on June 18, 2018, 08:40:19 PM »
That's not the full Paultons Park picture, though, is it?

They offer manual wheelchairs for hire free of charge but to use them you have to be able to walk from the car park to the hire centre.  People that can do that get no discount.

People who are dependent on a wheelchair or scooter and arrive in one get free entry.  All but a few attractions are accessible to wheelchair/scooter users, so it seems reasonable to me that they should pay to use the attraction.  Thus if they have a carer, it's still two for one as if the wheelchair-dependent customer paid and the carer came free.  I'd venture to suggest that doing it that way saves Paulton's Park a lot of arguments over whether someone does or doesn't need a carer.

I wonder how many non-wheelchair-dependent disabled customers actually need a carer as opposed to simply a friend or companion also enjoying the rides?  To use the examples of someone needing someone to help them on and off rides, to change them etc., if they can walk from the car park to hire a wheelchair, it wouldn't seem an exteme notion that they can also do things like getting on and off rides, getting changed etc. without a caregiver.

I'd argue that if someone needed a companion but was not wheelchair-dependent and therefore not entitled to free entry, then the logical thing would be to charge them child rate on the basis that children, who also need supervision and assistance, don't get in for free unless wheelchair-dependent.

Incidentally, if I were running an attraction like that, I'd be very suspicious of anyone who turned up and claimed to be wheelchair dependent and therefore entitled to the free entry for wheelchair dependent customers without their own wheelchair or scooter, and able to walk from the car park to the hire shop. 

So it may be that there are a few people out there that somehow don't fit the box here, but overall it does seem to be a realistic approach to who should or shouldn't get free entry.
Disability Talk / Re: Motability vehicles and insurance regulations
« Last post by JLR2 on June 18, 2018, 08:11:04 PM »
As I understand things driving a motability scheme source car without the disabled person in the car is only allowed when the car is being driven to a point of collection of the disabled person, for example to collect them from such as a hospital or doctor's surgery where they have been attending an appointment.

The only other situation I can mind seeing on the BBC's benefit fraudsters program a while back was where someone using a blue badge was being given a parking ticket had it explained to him that had he been at a chemist's collecting a prescription on behalf of the person named as being entitled to the blue badge that would have been within the rules but only if they could show the medications or the prescription due for collection. In the case on the BBC the man was using the blue badge to park the car whilst he went to work in a nearby office.

I feel sure any insurance company covering a motability car will, in the event of there being a claim following an accident, make a point of establishing very quickly if the person named as being on the motability scheme was either in the car, had been driven in the car immediately before any accident occurred or had reason for the car being used without their presence reason such as medication collection.
Welfare Rights / Re: My call-up papers have arrived
« Last post by auntieCtheM on June 18, 2018, 08:05:55 PM »
Ha ha ha Monic.  That sounds just like my medical report.  Thanks for the words.
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