I think its based on a flatline cost on each of 50 groups, where Motabibility agree a base price for regardless where you live in the country and also taking nto account a certain number of penalty points. Somewhere in all this Motability have agreed one price with the insurer for under 25’s to drive up to “x” group and “y” bhp on a take it or leave it basis, with no optoin for under 25s to pay out of their own pocets to drive sa a maximum of 3 groups higher.
?