In reply to static266:
Well, this being UKC, let me begin by suggesting exactly the thing you said you didn't want
If you are covering 20,000 miles a year in a car delivering 30mpg, then you're spending about £330 a month on petrol alone. Add in VED, MOT, depreciation on the £2000 purchase cost, and even minor running repairs, and you won't be getting much change from £400/month.
You can lease the lowest spec e-Niro on a four year 20,000 mile deal for £420 a month with no downpayment. No VED, no MOTs for the first three years, fuel cost around £250 for an entire year if you get Octopus Go and charge at 5p/kWh overnight. Brand new, reliable, very unlikely to have an repair cost at all in your four years (and if you do the warranty will likely cover them). Accelerates like a nutter. Are you sure you can't afford an EV?
Admittedly not the biggest boot, and I don't know yet how well it handles in the snow - it is front wheel drive only.
Post edited at 18:27