Disc lock seemed to hold up ok

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That is totally true! The amount of time, effort and even love that goes into building our vehicals and that the insurance cant replace.
agree 100%
but lets face facts, the Insurance Industry is there to make money,
not friendships.
back in the day folks "lost" there cars much easier,
insurance of the time coughed up triffling amounts easier.
remember the draining of some docks in londons canary wharf prior to the massive rebuilding programme, and divers searching for underwater obstacles said it was like a car park down there...
 
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