One idea I pitched to Motability a while back was for them to set up a subsidiary entity similar to a credit union. Working loosely on same principle as the government help to save scheme you get a 50% bonus on what you saved over the course of 4 years. So £2000 saved in 4 years you get a £1000 bonus. Won’t work for everyone but those disadvantaged by some of the rules of grants it may help bridge some of the gap. For long term customers, could be used as a sign of credit worthiness to offer a level of credit on the AP
You have a very creative imagination, but things like this will never happen (for a multitude of reasons, some of which have already been mentioned) – nor should they. Who would pay for this magical bonus? The only answer would be the majority of scheme members who don’t qualify for it. So APs would go up even more than they have already. Call me old fashioned, but I prefer a system where we all take responsibility for what we can each afford and stick within our means.
Many years as a software engineer working on different government projects 😅….some of them felt like bailing water out of a sinking ship using a thimble 😅.
https://www.gov.uk/get-help-savings-low-income/what-youll-get
Help to Save worked fairly well.
The bonus could in theory be paid from the individual profit per vehicle rather than it going to one donation pot that some will never benefit from.
Tighten up the good condition bonus rules as often that is paid on cars that haven’t been looked after.