The alternative is to use your allowance and try and lease a vehicle plus insurance, servicing, etc.
Over the years I have tried the alternatives, I am far better off with Motobility.
Many of our friends lease vehicles, they may have more choice but they are paying through their teeth, plus the insurance, servicing, etc.
I am happy with the scheme, personally I don’t care how much reserves they hold or how good their offices or staff are paid for me it’s is the bottom line, a new reliable trouble free vehicle all every 3 years