I can’t see a competitor big enough to take on the risk.
The government would need to step in and subsidies would be needed. So more fat cats and no guarantees anything would be better.
Its far from perfect which is why we have this forum. But overall I’m happy with the scheme.
Before I joined the scheme I read loads of posts on here.
Read all the rules of what’s covered what’s not, looked into buying on finance and nothing came close when you look behind the headlines or dealers direct offers.
in 2 years time I’ll decide again on what else is available and how my disability has changed.