You don't run or work for an insurance company. I have found - often to my considerable cost - that reason and honesty have little sway with their 'small print' clauses.
In Scotland, a first meeting with a solicitor is always free of charge. I'm not sure whether similar rules apply in England.
You're right that we don't work for insurance companies, nor are we lawyers, but it sounds like you're likely to incur a significant financial loss so all we're suggesting is that you speak to a lawyer about it. I suspect/hope that this discussion would cost you somewhere between £0 and £50 so it seems like money well spent.
Unless there is a detail you're not telling us (and that is your prerogative) then it seems odd that you're willing to write off that loss without looking at legal remedies.
get a no win no fee. If you agreed to lend the car out for a few hours, and the car wasn't returned after that time period and the person is refusing to bring it back, that is theft. Well, its taking without consent after a reasonable time has been given for them to return the car. If it is your car, and you don't have it then the police have a duty to find out where it is and why it hasn't been returned
First off I've not 'forgotten' to mention anything. The facts are just as I laid them out. Unfortunately car insurance policies include a 'duty of care' clause in them. Hand over the keys and you are at least 50% to blame. Even if I could get a 50% payout I would lose at least as much in NCD - and probably significantly more - over the next few years as it would affect the policies on all my cars for many years to come. As for the police trying to find it, I doubt that they'll put many man hours into it considering the amount of unsolved car crime there is in the UK. My only hope is that he or someone else is driving it around so that it could be picked up by an ANPR camera. Like as not it was driven straight into an illegal scrap yard and crushed within the hour. Yes, I know about the first 30 minutes being free with most solicitors, but No Win, No Fee? That's for serious physical injury claims and definitely not for a cheap & cheerful old car even if it did contain nearly as much money's worth of goods inside it.
I don't want to just write it off to experience, but it's not as if I have much choice in the matter. Now I have to rebuild once again all the tools that I'd accumulated over many years so that I can start to work on my cars again. Sadly this is not the first time that I've had virtually all my hand tools stolen.
good attitude sir-no point in getting bitter and twisted about it and it may come back to bite him in the bum at some point-you never know.
Whilst its a shame about the tools-the brighter side of that is that you can go shopping for new kit(bummer moneywise of course).
I think I read somewhere that stealing someones tools was or is treated very seriously in Australia-sort of like the attitude to horse theft in the old west-pity its not the same this side of the pond.
Anyway- good luck with moving on- and change the locks.
Re reversing the polarity of the di-lithium crystals SIP Migmate Handy MIG welder to do gas-less:
"As previously mentioned I've installed connectors on the front panel so that I can change the polarity for the use of gasless wire."
I would greatly appreciate a photo or two of how you have got the wires set up.... can you send me some or put them online (or I could) .... I have a pair of cable plugs and panel sockets on order but I am unclear as to how the cables that are to be reversed in the sockets are coming out of the welder body from the earth and the transformer? (are they through insulated holes in the front panel?) also a shot of where the "live" is taken off the power side would be appreciated.....