If you can find a vehicle with a reasonable AP that suits your needs then the scheme still remains excellent value and is unbeatable for peace of mind.
Everybody has their own opinion of “reasonable” AP’s. Some are happy to pay a lot to get exactly what they want/need, others (like me) set a limit on how much they’re prepared to pay towards something you’ll never own.
Luckily I found a car that meets all of my needs and most of my wants for bang on my upper limit. Had I not been able to achieve this outcome I would have left the scheme and bought second hand instead.
Best advice is to make lists of needs and wants, set your budget and then search and research and see how many boxes you can tick.
If I seem a little strange, that's because I am.
Skoda Karoq SEL.