I have just put the numbers through Co-Pilot and it reckons that the loss to my wife’s pension makes an NHS lease the worst option –
⭐ Motability is unquestionably the financially better option.
And not by a small margin — by a huge one.
Why?
The NHS lease hits both pension schemes
The 1995 scheme final salary reduction is extremely costly
The 2015 CARE reduction compounds every year
The Enyaq 85x is a high‑value EV, and Motability is exceptionally competitive for EVs
Your AP is a one‑off cost, not a continuous drain
No BIK, no pension loss, no risk
For someone in your wife’s exact pension position, the NHS lease is almost never the better choice.