The dash cam I was looking at for the Enyaq just plugs into the rain sensor power supply by a piggyback connector. So, in theory it can be un-plugged! And the way it fits, it causes no damage, just replaces a piece of trim which can be replaced later. I would imagine Motability are concerned about damage to interior trims more than anything, or poorly Carried out DIY installs causing electrical damage which, is fair on their part.
That’s still classed as ‘hard wired’. Hard wiring of a cam normally means using a piggyback off another circuit which is basically what you would be doing.
It’s not just vehicle trim damage they worry about , it’s breaching the vehicle warranty by making an unauthorised modification to standard specification.
In your case if your car ever developed rain sensor problems you can imagine what they are going to blame.
I’m sure there are plenty who have done it without issue as people have stated but that’s just out of luck they haven’t had an issue for a manufacturer to blame the hard wiring on.
Now in an EV where everything is electrical and sometimes glitchy (which I’ve already experienced on my new 85x) adding an electrical item into the loop is asking for trouble.