@BackCountryBob You just need to call Motability and explain the issues. They will run through the process. You pay an early termination fee (£250?) but get your AP back pro rata (nothing for any optional extras though).
Obviously stick with Motability if it suits, but private running costs aren’t anywhere near as scary as many people think. If you are eligible for a Motability car you will almost certainly be eligible for free road tax – even the crazy new vehicle charges.
As for insurance, you can transfer no claims history from Motability. I got quotes for an £80k car recently and even with only 3 years no claims it was £520 fully comprehensive.
Also, going privately you aren’t forced to have a new car!
