It is not without note that private, off-scheme lease deals direct with dealers/lease specialists can be had for much less than Motability. That said, I must admit I have not gone into finer details, just looked at the “Buy here” click-throughs on mags like What Car? Monthly payment about the same (in places) but the deposit/AP often much less than AP for same vehicle on the scheme. Personally, at the moment, I would not dream of going private – the all-inclusive nature of Motability is its USP for me. Gladly pay extra to avoid having to deal with a whole host of exploitative box-tickers selling insurance, windscreens, tyres etc.