If you really want a PHEV, I’d be inclined to get one through Motability. PHEVs don’t really make sense to private buyers as the up front cost premium can easily wipe out the running cost savings. PHEVs mainly appeal to company car users due to the lower benefit in kind tax that they attract. As Motability are really pushing BEVs and PHEVs, getting one through the scheme can be a lower cost, lower risk route. However, if a petrol or diesel car suits you better (which you don’t have the faff of having to charge) then I’d be tempted to buy privately as the choice on the scheme is poor.