Hi Matlock,
I was a motability specialist in a garage until very recently. The answer is YES, it's potentially VERY easy to end an agreement early. We used to do it all the time for our customers. You only need to ring the Customer Services people at Motability and tell them that you cannot drive the car anymore due to a worsening of your condition - they ALWAYS agree. There may be a fee - between �100 and �250 but if you tell them you can't afford it, they usually waive it.
Any problems, let me know :
[email protected]
Regards
Peter