I agree, Mark that Motability Operations don’t work exactly the same as other leasing companies. But, I’ve just had a look for something similar to my current car (current is Sportage, similar is X-Trail 1.5 E-Power 204 N-Connecta) and for my low mileage, it works out over £1k less per year to go private.
I would need to insure it for approx £450/yr, roadside assistance is probably included, otherwise £30/yr, and service it £350?/yr. I’d be about £200/yr better off, BUT I’d still choose Motability because although I have excellent credit score, that doesn’t usually matter when income from benefits is usually ignored.
I’m not saying Motability isn’t worth it, but just find some of the prices, considering my points above (mostly zero tax) imo should mean that other leasing companies shouldn’t be able to offer me a better price.