The thing that irks me about Motability prices is that no other lease should come close to Motability prices when you consider that they are the largest leasing company in Europe (will get the best discounts), purchase price is automatically 20% less due to zero tax and they are the only leasing company protected from inflation (except for any cars that don’t cost our whole Mobility allowance).
If you’re a low mileage and low insurance risk, there are often better deals if you privately lease. Obviously not everyone can lease due to credit checks. Then there is the pros and cons of private leasing if you lose your PIP entitlement. Great that the car isn’t taken away like with Motability, but very bad if you can’t keep up with repayments.
I also like that having Motability in your corner helps when things go wrong with your car.