If it is an insurance cost why we are not allowed some cars then it is RSA that is the problem as i can get a top of the range insurance group 30 for only £250 a year with my driving record i really think motability needs to end and find another insurer i had my house contents insurance with RSA under the motability scheme and i made a claim and it was so bad the level of service i am now with saga which i have used before.
I don’t think insurance costs have anything to do with it Dave. With hundreds of thousands of cars insured under one block policy, the relatively small proportion of people who would have higher insurance group cars wouldn’t make a jot of difference in the scheme of things. Like you, my private insurance costs were very reasonable. I was driving a £41k car for 4 years until recently and my fully comprehensive insurance, including fully protected no claims bonus, legal cover etc averaged just over £300 a year. Generally speaking, the more powerful / more expensive cars tend to be driven by more experienced drivers with lower risk profiles and Motability already restrict the use of those cars to exclude younger drivers anyway.
Given that any additional running costs can easily be wrapped into the AP, the restrictions in choice / price caps / bhp etc are not based on any sound logic whatsoever, other than an arbitrary decision not to allow disabled drivers those choices.