The government also clamped down on these salary sacrifice schemes,in that there now treated as company cars and you have to pay BIK rates!
I’m surprised/shocked you don’t qualify as according to- peoplefirst.nhsbt.nhs.uk/Pay-Benefits-and-Pensions/salary-sacrifice.htm state “If taking out a salary sacrifice arrangement takes your pay below the legal National Minimum Wage then you will not be able to participate.” ? NHS portal https://portal.nhsbenefits.net/cars/ shows benifits of the scheme are similar to that of Mb
Don’t forget that if you do any work travel in a car you have under a salary sacrifice scheme then the HMRC expects you to get company mileage rates not personal ones. That removes allowance for wear and tear and, should you have an EV could well mean only 5p per mile, which is a challenge even if you charge at home.
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