I live in the UK countryside. I drive a Ford focus a lot of the time, it is nice to drive and does about 53mpg according to the trip computer. Unfortunately

I live in the UK countryside. I drive a Ford focus a lot of the time, it is nice to drive and does about 53mpg according to the trip computer. Unfortunately the undertray grounds out on some of the roads around here due to the camber. Many of our lanes are single track and the passing places are not maintained so they tend to have giant potholes and you can easily get stuck. I occasionally need to go down roads that knock the undertray clean off. I kept the Focus for my commute and bought an old 4x4 to deal with the rougher roads. This is great, but I pay double road tax (it is a lot on the old 4x4, despite it doing very few miles), double insurance, double MOT. I think I am doing the best I can in the circumstances, but I think I would be financially better off commuting in an SUV. Why should I be financially penalised because these cars are inappropriate for London?