I run both a saloon and tourer ( Kermit and the fishing truck) year round, although i try not to use kermit if they have salted the roads in winter.
I will give Lydia Kermit when the time comes where she can afford to insure him.
I think my next fishing truck will have to be a 180 tourer as i don't do fantastic mileage, usually to work and the bank side of a River or pond which are around the York area.....
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