Well done Mike M. I’ve had several 5 Series over the years and they are absolutely superb. Sadly, nothing on Motability comes even remotely close. I bought a brand new 5 Series in late 2015 and sold it a year ago. It surprised me to work out that it actually cost less to run per year than the Tiguan SEL that we have through Motability. I got £10k discount (25%) as a combination of BMW + BMW Finance + Dealer contributions. The price I paid included a servicing plan (like you) so no servicing costs. My fully comp insurance with protected NCB averaged £330 a year. Road tax was £30 a year. My only other expenditure was 3 tyres over the whole time I had the car. Economy was also 8mpg better than the Tiguan! It’s not an option for everyone and I completely understand why most people on here will prefer the ‘peace of mind’ option that Motability offer, but some of these people fail to appreciate that in addition to the AP they are paying a further £10k in sacrificed benefits (over £16k if they keep the car 5 years). With increasing AP’s and severely reduced choice, I am sure that more and more people will go the same way as you, especially those who are happy with inexpensive cars, where the financial case for Motability is getting less and less. Motability is not the ‘no brainer’ that many people think it is.