Dan G – An interesting perspective, but I believe that your assertion that better value is at the lower end of the market with Motability is contradicted by the facts. As stated in an earlier post (which you say you haven’t read) the biggest cost of running a Motability car is the sacrificed benefits which are circa £10k per year regardless of what car you get. As a result, someone leasing a £20k car at zero AP is paying 50% of the cost of the car. Conversely, someone paying £3k AP for a £40k car is paying just 32.5% which is significantly better value.