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.
That £5,000 included the VAT increase but not the Insurance Tax, I think I should have been clearer. Yes, there are quite a few ‘Luxuries’ that really are medical needs and shouldn’t be regarded as too much to ask, considering the technology on so many cars these days.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.
Mark