every 3 years I’d need to find 5 grand!? I think that’s unaffordable.
It is, when theres nothing in it for you at the end of 3 years, other than a couple hundred quid!
They have seriously overlooked the VAT aspect on AP’s – As a disabled person, equipment like heated seats, heated steerin wheel and in many cases 360 camera and auto tailgate are essential needs and not luxuries. To get these basic needs, it is often the case, a higher trim in a particular model is needed, which will almost certainly command an AP, with the additional cost of VAT added ontop of any AP!
Using your figure of £5,000, an additional £1,000 will be added ontop to cover the VAT element (£6,000). The only way, I can see where VAT won’t be added, is if the vehicle is adequately and permanently adapted or its a WAV.