We found that there is a scheme of car leasing for NHS staff that works as a salary sacrifice, so doesn't count as part of earnings. In that case it was over £400 a month; she was a midwife though so it was clearly a vehicle needed for work. https://nhsfleetsolutions.co.uk/ is the website.
It depends what the home electric is. Does she perhaps do some work from home, so that she is given an allowance for that?
