Having moved from DLA to PIP (standard rate for both living and mobility), I am losing my Motability car. I need a vehicle so I am going to lease a car for 3 years. My problem is insurance. RSA say that as a Motability customer I don't have a no claims bonus, so Insurance companies are giving me quotes for £1000-£2000. I've had a clean licence for nearly 30 years and I can't understand why I'm being penalised. Has this happened to anyone else?