Remember that there have been significant insurance premiums increases this year and Motability pick up the tab for all sorts of drivers, all from the £77.05pw( PIP) Young drivers Drivers with several claims Drivers living in high claim areas. Drivers driving high insurance group cars Also the increasing use of writing EV ‘s off in the event of a crash. Many articles on this and the consensus seems to be that insurance companies do not wish to entertain future , perhaps very high claims in the event of a vehicle fire due to undiscovered battery damage. They are happy to leave that to other insurers if the car is put back on the road.
Insurance is lowest it’s been in more than 2 years according to Confused.com (sept 25), who went on to say premiums have dropped by 16% over the last 12 months and have gradually been falling since the beginning of 2024 however, premiums still remain higher than pre covid levels.
Motability provides fleet insurance, which is generall cheaper due to bulk discounts and whils’t fully comp is provided, it is a bare policy compared to the cover provided by individual private or commercial fully comp policy.
Ontop of your sacrified benefits, theres often an eye watering AP to go with it.