RE: no break down cover
The new Zoe will be unveiled in Paris shortly, however I'm suspicious of Warranty firms as many items are not covered, leaving you to sort it out again your expense. In two I looked at, a drive train failure is not covered, but individual parts 'may' be. At £400pa, that's a risky investment.
I'm not a fan of 'city' cars, and the Zoe clearly is one - I just love the luxury of the Fluence, and have no intention of downsizing. Even the i3 doesn't excite me, but it won't be a surprise that the Tesla 3 and S do. I had a drive on the motorway last week in the latter, and actually enjoyed the self-driving feature, but will I pay £60k for it? Probably not!