Sorry POPS, on my first point, I didn’t mean your personal circumstances, I was more talking in general, how it effects every body on the scheme.
On my second point, some may be like me and need the full five years to be in a financial position to meat the necessary (high) AP charged. It is great that Motability has changed the rules to let people change cars within the extended frame. But not everybody is in a financial situation to utilize the flexibility and be ready to step in when they see a good offer, almost like playing the stock exchange.