What insurance group is it?
I don't know... but the great thing about the internet is you can ask which I've done for you via twitter
MOT - I guess a normal garage can't do it, where and how much would it cost?
This is new technology and therefore it will take some time before a 'normal' garage can do an MOT. However, the cars are 'simple' and you can therefore expect the costs of MOT's (if they even exist in future) to be low.
Likewise for a service?
My annual service was £400 which for a super car is probably 25% of the equivalent ICE. I've heard of Leaf owners paying £140 but don't know how typical this is. Thing to remember is that EV's are inherently simple with few moving parts... costs should be much lower than equivalent ICE.
How much to charge from empty (not that it would get totally empty) on 13p a unit?
ZOE has a 22kWh battery pack.... so a VERY rough calculation would be 22 x 13p = £2.86 + 10% (charging loss) = £3.15
You said before that you could charge at the Ecotricty post for free... therefore 22 x 0p = £0.00
Battery lease, the car finance
suggest you start here https://www.renault-ze.com/en-gb/reservation-et-pre-reservation-2035.html
out lay of the charging station and installation.
I've already given you some guide pricing on Charging Stations. As a couple of people have pointed out your biggest issue will be obtaining permission to get charging installed in your shared car park. My recommendation would be to charge at work instead of at home especially if Ecotricity provide free electricity to you.
some sort of wear and tear im not aware of for EVs?
After driving 26,302 EV miles in the last 21 months I can confirm that the running costs are significantly below any ICE car I have ever owned.