Hey,

Recently we were offered a new car on the motability scheme (my mother is ill). I and my sister were going to be the drivers. My sister often admits she is a poor driver having notched up 4 accidents in 3 years. She herself insisted that I (no accident's in 5 years) be ta main driver, doing the brunt of the driving as she lacks confidence, particularly in a new vehicle.

The only difference is I got 6 points (which have now expired) over 3 years ago for insurance related offence. Apparently my sister (who has been at fault for multiple collisions) can be insured on the vehicle but I can't even though my points have expired. If points can affect you after expiration then what's the point of even expiring them? May as well leave them on until they stop affecting you.

I'm so confused... I hadn't spoken to them but my mother said they claimed I need to wait 5 years AFTER my points expire (total 8 years for one offence). So not only will I not be able to drive this vehicle but I won't be able to drive the next car in 3 years.

This spanner in the works has thrown the whole thing into a mess. The purpose of this scheme is to help my mother who is immobile and my sister by her own admission is incapable of matching the needs of my mother (her confidence is shot).

We really don't know what to do. Any advice? Surely there must be something we can do as by denying me the insurance they are effectively blocking my mother the help she needs and therefore the very point of the scheme is pointless. I can understand having requirements but 8 years of no insurance for one person who has never had an accident /claim and only one relatively minor offence!? Whilst someone else with multiple crashes is allowed.

The punishment far outweighs the crime! Any advice? Is there anything I can do? E.g appeal? Or is it hopeless and I should just accept that this scheme just isn't for us?

Cheers in advance