@Tim, thanks for the info, unfortunately a previous car I had on Motability had an intercooler spring a leak and I was forced to make a claim to get it repaired as Mota refused to accept a 2 year old car could have any kind of component failure even though the RAC guy stated there was absolutely no damage when he came to me at the side of the motorway, so that blew my 15+ years without a claim.
Luckily the Insurance company accepted the fact I have been a named driver on another vehicle for 20+ years and gave me a good discount anyway, at just over £400 it was only 70 quid more expensive than the last time I had private insurance years ago so can’t complain.
Looking to get a slightly bigger vehicle soon so with all the delays for new cars I’m happy I’ve gone used as there is a large choice atm and even though prices are over inflated it goes both ways, I still have £8,000-£9,000 value to use from my trade-in.