Even a car with zero AP is costing you over £12,000 over 3 years. From what you are saying, that’s a heck of a lot of cost for very little return. As I often say, the ‘peace of mind’ with Motability comes at one hell of a cost! Don’t forget that if you leave the scheme and later regret doing so, as long as you still have the qualifying entitlement, you can rejoin at any time.