There are constant comparisons to other forms of payment. Against lease Motability looks really good except in a few highly discounted options. Remember when comparing Motability offers fully comprehensive insurance, complete repair and replacement (without the usual ‘wear and tear’ get outs) and replacement car should the repair take longer than a courtesy car be available for.
Against other forms of ownership, where you use a deposit and monthly payments (potentially with a final balance payment) you have the value of the car at the end of the process, that either pays for your next deposit or you can opt to own for longer at no extra cost. Again, insurance and repairs plus mobility when the car is unavailable will be your responsibility.
The benefit for those unable to work is huge. All of the above assumes great access to credit with A1 credit scores, reality for someone who isn’t working, potentially hasn’t worked in years, will be very different. The scheme offers the reliability of a brand new car to those who would be stuck either without (entirely) any vehicle or with something old and potentially in need of more repair/servicing. No credit checks to worry about, no income/expenditure problems just receipt of qualifying benefit for more than 12 months.
For those able to access all forms of purchasing/lease, there’s a choice, for the rest of us unable to access such levels of credit we have access to vehicles suitable for our needs potentially up to a value we’d never be looking at. I know myself I’d never be looking at a new car approaching £50k in value using some of the value of the car I have for the AP.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.
Mark