paid just over £12000 for the current car (£2000 AP) and nothing to show for it
That’s how leasing works.
You will have had insurance, break down, tyres, etc plus depreciation over the three years. Oh and your GCB. I agree choice and AP is rubbish right now.
You’ll be aware that you can get a letter from RSAM regarding your ‘no claims’? You may not need a specialist insurance company – try a comparison site. Get a quote and then call them to explain the situation, you’ll be fine.
Can you extend your lease??
Skoda Enyaq Race Blue