Malc

mine with Saga has just been offered at £288 for 12000 miles limit ....ME11 postcode . seems to be going down but with the £350 excess they know i won't claim if it's dented even a little coz they will write it off ! and payout bugger all after the excess Can we ever win with insurance ? Malc

they might at least be correct on this aspect ! There's lots of info on here about gearbox oil changing or not ! Malc

at £300 it's a snip for the parts for the Mk1 or 2 ..... the engine must be worth the best part of £500 min. ...... I quite like it ....... quick touching-up of the paintwork and it's " ready to go " Malc

ok everyone, thank you for your insight to all this I'll just compare quotes ( as usual ) when the insurances are due Best wishes Malc

would TPFT protect one against claims on oneself by a 3rd party ? both for other car's damage and personal damages etc arising from an " at fault " accident caused by oneself ? Coz if one wasn't claiming on one's own Fully Comp insurance for car damage i guess one couldn't claim for personal damages either, like whiplash or whatever or any subsequent health issues developing ? Maybe it's all too complex and not worth the cerebral energies expended .......... whichever type of car insurance one has we can rest fully assured that the insurers will rip us all off one way or another. So far as I can see, the only certain way to retain the accident damaged car and to continue with the insurance cover for road use is simply just not to claim for one's own damage including probably any knock-on issues arising too ! does not claiming for the car damage preclude claiming for collateral stuff too basically ? Is this correct do you think ? Malc

Phil, as i understand it all then, if one doesn't make a claim for repairs under one's Fully Comp insurance then the insurer will not rescind cover after the accident and one can just keep the car on the road subject to it being roadworthy? And if the third party is at fault, one would have to make a separate claim on their insurers without involving your own insurers ? Is this the correct summary ? Thanks Malc

............... so to insure Fully Comp but don't claim if there's an accident to repair the car. Just claim for glass, personal injury and legal if you get claimed against. Then if you don't tell them you have had an accident are you breaking your contract terms and if they find out and they can rescind your cover and they can write the car off anyway without asking you ? OR to insure TPFT and never claim for your own damage under any circumstances so that you always have the car in your ownership ? and the insurance cover would continue at your will, not the insurers, and you get to keep the vehicle to decide upon putting the car back into fine order and continuing driving or simply not. It seems to me that only having TPFT gives you, the owner, far more control over the whole situation in the event of accidental damage to your vehicle. I don't know that any one argument weighs the balance in any good direction with our " ancient " cars of negligible value Your further thoughts Malc

........... admira b l e then Malc

so am i right in thinking that if you hadn't claimed on your fully comprehensive insurance you would still have your Ls400 and a fairly minor bill to keep that car in fine fettle from the slight damage incurred and maybe would have cost you say £500 to fix ? As it is you have lost your Ls400, got £550, lost the £80 plate transfer fee and the £193 remainder of your insurance... assuming you can't recover these costs realistically ! Your claim has lost you your fine Ls400 and you have probably gained £550 - £80 - £193 Net gain £ 277 less of course your car hire The more i think of this insurance conundrum and their total ability to rip-off their cash donors ( their policyholders ) the more I'm thinking to go TPFT next time around ! If you just got offered £900 before the excess then I would probably be offered just enough to cover my excess £350 and walk away with no car and no compensation at all. Am i right here or totally barking up the wrong tree ? Malc

Chris, that £900 ......... was that net after they deducted your excess of ££££ ? Thanks Malc

hey, a really gentle light grey/blue pastel shade ............I had to go chasing by on a mission to get to be a Young Enterprise speaking competition judge in Canterbury The other road users must have been amazed ............ seeing one Ls400 is a bit odd but to see two together, well, almost unheard of ! Seeing the DVLA/MOT history it was out on a short run of it's @1000 miles a year between MOTs I would surmise Malc

Passed this car yesterday, looked brilliant but sedately slow ..... anyone on here ? I live quite close by Malc

can u offer advice/explain that with multi insurance policies for different cars ( which I have ) does the " legal protection cover " on one, cover me for ALL car claims or is it really just for any claim with that specific car insured with that insurer ? I'm thinking about multi cover for the same risk ....... should one pay it, or even, is it allowed coz I know that insurers ask if you have alternative " same " cover elsewhere should one make a claim that's NOT car related ...... I'm thinking here about holiday lost baggage insurance where it could be covered under your household insurance policy ! Or am I barking up the wrong tree here ? Thanks Malc

when my dash brake warning light goes on it usually means ( about every 16 years or so ) that a stop bulb has blown.... on my several Ls400s over the years Malc

I wasn't thinking about any of that usual stuff at all, and i concur totally with you ............ just thinking that if it had flood damage or whatever you would never know ! or if it had suffered some sort of Irish write-off scenario that wasn't reflected anywhere ..... but you're probably absolutely fine .... I just have a sometimes over enquiring mind. Malc

....... 10 rupee notes then, about 12p Malc

shame you can't discover some of the history of your new car ! Malc

remember when I bought my Mk3 Ls400 N7GNT from ACLex on here in 2011 ..... he had converted it to DHP, different springs, wheels and all other stuff ............ white indicator lenses etc. I asked for it all to be re-converted back to original, the original springs, wheels etc ...... which he did ok ... it's all original now i guess ! Malc

hey, I suspect it's little more than a need for some appropriate simple flexi hose and clips to take away the ludicrously complex mild steel pipework that's now " gone " from the original. I had a very similar problem on my Ls400 last year I think and it was a relatively simple inexpensive repair by my indy ! Malc

the problem I would have on Classic insce is that i do maybe 12,000 miles a year and i know from my 1932 Triumph classic insce mileage is very very limited. I also have fully comprehensive the 56 plate Honda Legend and the 1994 Mazda 323f I wouldn't want to irretrievably lose my Mk3 Ls400 for the sake of a very slight knock that would write it off ......... £600/1000 buys you nothing in the way of repairs on an insurance claim . it hardly pays the storage ! ................... ah, maybe that's the rub with insurers, the storage costs, so they just write it off immediately...... those costs are totally disproportionate to the car's damage Malc

I think my concern is from a recent post here somewhere, where the guy was left stranded many miles working from home, had a slight knock, claimed on his fully comp insce and they wrote the car off ( £2500, but only slight,damage on a Mk4 DHP ) and left him carlesss with a clearly safe and driveable car other than they have taken it off the road coz they have written it off !.... and his payout could be say £300 after his excess working away from home with a relatively sound Mk4 DHP that sits staring him in the face knowing it's not now insured, not his to insure, otherwise driveable and repairable but not from his insce company. had he been 3rd party etc then at least he would have the car to repair at minimal cost, certainly not £2500 ............. more like £500 maybe AND he would keep his Mk4 DHP and his decision whether to claim on anyone's insurance at all. Seems a good case to me to think twice about fully comp insce on " old " cars where you might want to keep the " wreck " and put it back on the road .............. I know my Mk3 is worth more to me than the probable zero payout i would get from insures after the @£350 excess ! Malc

thinking now about this phenomenon of the insurer just not allowing you to buy the likely write-off nor indeed leaving insurance in place while you're mobile with a slightly, but roadworthy , damaged car but they decide you shouldn't be using it..... as in their book it would be a write-off for many of us that would mean even a very slight knock so how about the thought to just insure third part fire and theft ? seems to me we would only be losing the glass cover maybe and personal cover ( but we might have that with other insurances anyway i guess ) and the excess we have with fully comp cover would leave us with almost a zero payout anyway and no " wreck " to repair at possibly minimal cost just a thought yours too please guys Malc

. ok, no timing belt just the chain ........... make sure that gets the appropriate attention too when needed ........ on most cars they really don't last forever you know and when they do go, or start to rattle etc it's probably an enormous pain, more so than a belt............. get some proper advice about it at 120k miles eh ! But hey, enjoy your new toy and good luck with it all Malc

ex-leasing company should be good, unless maybe it's a snatchback for non payment, non servicing etc But hey, I guess it will be a bit of a " steal " even if it needs lots of front end stuff doing, cambelt change and a service and new tyres all round. These cars cost a fortune in Eire road tax duty I understand and after a few years do collapse in value but here in the mainland UK you could have a really good deal. Malc

you might never know when the car was manufactured, some older models might have been standing in fields for years before first registration Malc