There is one “rule” with HP….keep up the monthly payments or car gets repossessed you lose everything paid…
You could always secure your own finance and buy the car outright, if you lose PIP you can s…
It depends, EVs deprecate quite quick. I’ve know people who bought 2 year old evs, but then they deprecate below the loan amount quite quick. Plus, if you need adaptations it becomes well less great. For adaptations on motability you can get alot covered, or they’re highly subsidised. You could be paying upwards of £7K on top to get those adaptations.