I could well be wrong but, to me, the purpose of an insurance claim when someone else has caused your car to be written off is to get yourself back into a position where you can start again and get a like for like replacement. So, in that case it can easily be argued that returning your AP (and Motability getting the remainder to recover their costs) would be the right answer for a substantial part of the lease. I can agree that a write off with only a few months of your lease remaining getting a full AP refund would be unlikely as you should be in a position or, at least, approaching a position where you would be able to replace that car in the near future. It’d also depend upon whether the like for like car has had a decrease in AP over that time. I can imagine that many who have a car between 18 months and 2.5 years old would have paid a larger AP than would be required now, especially if that’s for an EV.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.
Mark