The problem you have at the moment is the huge AP for vehicles and the crazy long waiting times that may encourage you to suffer the Mokka a bit longer as many waits are 12 months and large vehicle prices are ridiculous . However if the inflation continues which it will then next year Motability payments will increase substantially and fingers crossed ap will start to come down. We must remember that when benefits get a sub inflation increase like this year so does Motability lowering their negotiations. I reckon you have about 18 months before you start to look and that could be a much better time than now
I am the carer / driver for my wife who cannot drive due to disability