We purchased a motorhome that we had adapted for our daughter that was VAT exempt. The modifications were numerous but included a lift for access, a drop down bed and a permanent wet room.
By the time our new Motability lease ends we’re hoping to purchase the replacement outright and take advantage again of the VAT exemption. That will give us a much greater choice than the Scheme can offer. The money saved in VAT should offset the insurance, etc.