Many standard private insurance policies have a brand new like for like replacement for cars written off less than 12 months old. My daughter had a car written off at 8 months and the insurance company contacted the supplying garage, got a copy of the factory spec order and replaced it exactly like for like. After 12 months it is market value. Motobility could be the same here.
I would be interested in hearing of anyone’s experiences after 12 months re AP. Not tempting fate but my car is 12 months in 2 weeks!!