That’s not really the answer though “covered” means little certainly doesn’t mean your investment is protected. I’m sure things will be covered that need repairing after an accident but total loss is going to be the issue. Thing is ultimately we are not the customer of directline that’s Motability themselves.
Surely they’re going to look at the book price for said car at that trim and option level to payout they’re almost certainly not going to payout the end user? All they’re going to do is put Motability back to zero and then Motability will return whatever portion of the AP they see fit with or without options I don’t know.
The real question is what will Motability return of the options part of the AP pro rata?
For example my car was 2.5 years and I paid £199 so I got back £40. There were no optional extras but the question really is how much will Motability return to you in the event of a total loss as that’s they real crux of it.
At least that’s my thoughts on it anyway