Hi, marki, good question, but it all depends on your personal and financial circumstances, are you still working, ect, as you have a relatively new car, and are you confident on your allowance being renewed, and you have a full understanding on how pip is awarded, it’s not always based on what condition you have.
Does your existing car suit you? If which case you can get a tax refund, and enjoy your car, and have a nice holiday on the allowance.
Always be mindful, if going on the motobility scheme. If you lost your allowance, you will have to return the car.
If you don’t like your current car, can you trade it in for something you want, convertible, suv, sports or luxury, new or used, and use the allowance to contributing to fund it, and it’s yours to keep.
If you go on the motobility scheme, you can jump in at any time, as long as you have 12 months left, imho, I wouldn’t run your allowance down, start looking and deciding now, make a shortlist, and book test drives, APs are going up, and lead times for new cars will get longer, some are six months already.
Good luck. Enjoy.