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Hence the phrase...Caveat Emptor....Buyer BEWARE...

Wouldn't the car show up as being involved in incident/repairs on a database if a potential buyer or garage were dealing with you at the time you sell?...I don't know I'm just asking.

Same as that IS220D SE...11 years trouble free...242,000 klms. (circa 151,000 miles) Can't afford to hang on any longer for really expense parts to need replacement...eg...exhaust. the part being worth more than the car. Best car I've had inc E Class Mercs. Waiting for BMW X3 2018 model due in 2 months to the market. Never had 4x4 never had BMW...I'm retired so it's a bucket list thing. Only one complaint on Lexus IS220D too small in the back seats. Didn't affect us though as hardly ever used. RX450h...very expensive here in Ireland but a wonderful vehicle no doubt ...best of luck with it!

A loss in a business is often seen as a situation whereby they didn't meet a target profit...intended to make a £1 Billion...made £500 million profit. Don't forget that many companies are not the underwriters they are just very large brokers. The proof of which will be observed when the costs of hurricanes Harvey and Irma trickle down through the interlinked underwriters. You may wonder why British oil refined in British refineries into petrol goes up at the pumps in Britain when the infrastructure in the US takes a hit...simply because its a global commodity. It follows seeing that Insurance is also seen by the underwriters as global that they industry calculates risk on a global and sectoral basis. Additionally categories of consumers are also risk graded. The brokering of Insurance carries risks relating to getting enough consumers to engage their business with them to make their operation viable. eg AA Car insurance is done on the basis of the AA being a brokerage...the underwriters might be Lloyds? (Lloyds example only) It follows that the AA could make a loss on their Insurance brokerage when Lloyds make a profit and also that the AA may make a profit when Lloyds or their underwriter makes a loss. This industry is very fickle some they win some they lose ....after all they're only glorified bookies.

Wish I was a Guru!....some on here know more than others. I can factually refute most of your reply from experience...but why bother?

Quote my previous post: If you want just "Third Party" that's fine by me and that's the only min requirement in Law is that you insure the other persons and their property. Competition does not give them free rein...regulators observe cartel behaviour...it's a shop around situation for best cover you can get at a price you can afford. For many it's Third Party or at best Third Party Fire & Theft. Each company suffers loses and gains in totally different ways...like I said it's not really about the material side of things it's more about injury and disablement of road users. Some companies can get away some years and other companies get clobbered...it's a given in the industry. However not too many insurers can afford getting clobbered one year after another. Underwriters may well buy some of the risk and pool different risks...doesn't affect your cover but may affect it the following year and you or any driver with a no fault claim without a "No Claims Cover" clause in their policy wonders why...my main point is cheapest can be more costly over time and certainly not best. Do they the insurers want your money most certainly!! Again I point out that I actually agree with you and others ...IT IS NOT CHEAP. Is it worth it NO not always....until SOMETHING GOES REALLY WRONG. This isn't about grazes and broken headlights / grills. This is really about the multi-million £££ claims...every time we go out on the road that's the risk we take collectively and that's the risk we collectively pay for...pro-rata...bad record = high premium, not forthcoming with the truth as per contract = high premium. Note the latter is nothing to do with driving or ability. It's about abiding to rules you agreed and paid the cash for your premium only. This whole conversation doesn't allow for comparing like with like because insurers do not work that way...every premium is calculated on customer need, customer category, track record and trustworthiness. How many are driving around with all sorts of mods...never declared...etc etc. Amongst all road users there's risk takers and certainly honest road users should be miffed for having to pick up the tab but as the saying goes and as insurers dictate...someone's got to do it. I don't work in the industry never have...calling insurance a rip-off may be valid if you're 18 years old driving a 2 litre high performance turbo vehicle @ £3000 premium but that group of customers are classed as high risk...often REFUSED! It's not just about the individual its being also associated with driver risk categories...there's a myriad of variables...it's far more complex than we appreciate....safe driving one and all.

Many are missing the point of the agreement being a contract...as opposed to insurance companies making laws which they cannot do...vs ...making conditions to the contract which they can do. As Linas points out they vary!! As I point out if you have no claims protection in your agreement you're premiums do not rise. If you have to pay more to have this protection that's called consumer choice. It's not compulsory but "caveat emptor"...KNOW WHAT YOU'RE PURCHASING. Just for good measure you can purchase NEW for OLD insurance also. Some policies are chalk some are cheese....some know about these aspects of insurance some don't. Finally some think it's good value others don't...YOU GET WHAT YOU PAY FOR. Every situation is different fault or no fault doesn't matter it's what did you purchase that matters. Me...Fully Comp...Life Insurance...Personal Injury....NEW for OLD...etc etc... Cheap? ...NO WAY!! Good Value?... YES!! Was it tailored to my requests?...YES!! My bottom line is that if I'm spending as I did €53k on a NEW car (which I did) then I need to have it covered, me covered and other road users covered. My insurance company would charge almost the same for a €5k value...that's because it's not really about the car it's about road users....nothing to do with fault but everything to do with RISK...If you don't tell an insurance company something that's your choice but should they find out they don't trust you, they don't want your business, they don't know what else you're not telling them...and YES they'll hike the premium for all its worth to get rid of you. Reality sometimes comes back to bite some people in the backside...no matter what the insured thinks about whose fault it is ....they'll decide. Like I said earlier and like others have pointed out you may be innocent as in sitting at a traffic lights and get rear ended...but if you've got even one tyre that isn't legal...then you're in the wrong place at the wrong time with a car that shouldn't LEGALLY be on the road. So now the question arises are you insured at all? The Third Party may well be and you may not be? But hey lets keep blaming insurance companies....is someone having a laugh? Hopefully not at my expense!!

The scam whereby individuals pull away at a roundabout then brake abruptly and you a highly skilled driver crash into the back of them is based on the fact that you a highly skilled driver should be able to STOP at all times...not a leg to stand on unless you can prove otherwise. Insurance is there for all eventualities right or wrong. lets hope that we get by without such eventualities occurring...right or wrong matters little so long as people aren't crippled for life...your policy pays for about 2 hours of their care.

I'll say it again...along the lines of there's no such thing as a free lunch. You get what you pay for! It's very simple...by the way you will have noticed I never said it was cheap! You're making a case along the lines of material things only, remember Judges and Juries are rightly in my view handing out £Millions to unfortunates who are crippled for life and need 24-7-365 care for the rest of their lives. This whole discussion stemmed from the OP posting about the need to report most of my response was in response to that. Then a few started going off topic talking of fraud and rip off etc etc. My post asked contributors to take into account all factors to include being able to see the big picture. I'm quoting the reality as things stand....you call that rubbish which is to be in denial of what your responsibilities are and what the facts are regards claims...remembering too that I pointed out you make your own choices. If you want just "Third Party" that's fine by me and that's the only min requirement in Law is that you insure the other persons and their property...insuring yourself that's entirely up to you. There's no extras if you don't want them! As for your premium going up if you make a no fault claim....that is not true. Your premium goes up because of everyone else's claims as well. Not forgetting inflation being 3% p.a. I would recommend you read your policy before you make your next informed purchase!...no use whinging afterwards. Call it rubbish if you will but correct me if I'm wrong....constructively!

Bottom line here (and let's get sensible) you purchase insurance from a company of your own choice, you make choices as to the type of cover, you make choices regards the amount of damage cost you will cover yourself, you decide to protect your "No Claims Bonus" or not ... all this is up to you! Then in the agreement you accept the offer under the rules of the Insurer and Law of the Land...it's all very simple until something happens then according to many on this thread even though it's not your fault you end up blaming the insurance company who are YES making a profit but importantly protecting ALL the other drivers they insure. If you hit a dog and do £1000 damage you make a choice to claim or not and forego the Grand. You report to Police because it's the Law you don't have to report to Insurance. Then on the other hand if two or more vehicles are involved therefore more than one party hopefully all insured then it is a must you notify your fault or not. You should remember too that the dog may be insured!!! So the advice inform your insurer. If you have your No Claims protected you have nothing to worry about...if you are NOT at fault you also have nothing to worry about...the insurance company decide that. eg when inspected your car may have one tyre which hasn't enough tread left even though you're not to blame for the incident you are driving a vehicle with a weak link and illegally as it is no longer road worthy. None of us like paying but that's the way it is...Insurance in my view isn't a rip off....it's expensive yes and the attitude of many towards their responsibilities in respect of it is a contributory factor as to why. Unless you're living in cloud cuckoo land you all know that and that's why you purchased insurance in the first place.

I've had my January 2007 IS220D since new too...250,000 klms currently. Kept EGR clean every 15k klms and ALL filters and oil changed at the same interval. Changed brake pads once at 180k klms even though there was plenty left... Kept a record of every litre going in and have an average is 6.4 ltrs per 100klm 44 mpg...BEST CAR I've ever owned by a mile. (previously Mercs). Now I am changing ...going for NEW Model 2018 BMW X3...never owned a BMW! Never owned a 4 x Wheel Drive either! Main Reason (s)...We're both retired now and modern saloons are quite low for getting in and out of....plus a bucket list re: 4x4 & BMW...usually keep my new cars from start to finish and well maintained. Probably my last purchase!!!

It is useful to know...as is carrying a spare battery (which I do) I carry my fob in a key purse with my other vital keys along with the spare battery. I'm left wondering why I need a battery at all? I appreciate pulling out the fob and holding it close to the "Start" button would be cumbersome when compared to just having it on your person...thanks for the tip...I advise a spare battery forearmed is forewarned.

Odds on it's EGR...about an hour DIY plenty of advice here already on how to do it....when finished disconnect battery say 10 mins just to clear down the warnings....then reset all four windows individually...(all the way down and all the way back up again with their own door switch (not all four on drivers door)...you'll have it done easy...if you have some carb cleaner it will help but not a must.

Hi Linas...re EGR & DPF....like all maintenance issues they're only a problem if ignored until they block. I believe Lexus should have pointed to this system needing regular maintenance. Like I intimated I had suffered from EGR...but only once because I cleaned it regularly after that....very much a nuisance but nonetheless a must do...a/c car from new...only ever used on hot days...why...I have a sun roof and would often use that instead, having said that a/c works perfectly never looked at over 11 years from new. Don't get me wrong I'm not finding any issue with what you say just sharing experience. One other thing which I know is/might be a factor is that my car IS220D is always garaged when not in use. Idrive in and out of a garage...never exposed to prolonged sun or prolonged frost depending on the season...in my case in Ireland prolonged RAIN...LOL

Yes...I realise there's different ailments / maintenance issues for 250 vs 220 but they too have so much in common...almost everything other than mechanical bit is the same. Or manufactured to the same standard spec...ie a wiper arm, paint finish, alloys, a/c, seats, dashboard materials, electric windows and I too have perfect original exhaust after 150k miles plus (250k...klms) there's no doubt if you live in a location where salt isn't deployed for every frost you'll eliminate many corrosion issues, conversely if you live in a temperate climate regards really HOT conditions there's less use of a/c and therefore probably fewer issues with a/c as opposed to baking everyday and a/c going flat out continuously...to me it's clear that the car (s) 250 or 220 are both excellent vehicles that do the same job in a different way, that said neither claim to be a one size fits all regards what they'll be exposed to as per...say mileage over 10 yrs, driver style, predominantly motorway & A roads vs B roads and rural country roads, climate and as always how well maintained. We could be engaged in discussions about apples and oranges unless we measure against the influencing factors that give us all different experiences and in some case different gripes/issues.

I have a car also from new (2007) 250,000 klms IS220D...I can only list poor alloys and now the car isn't worth a new set or expensive refurb. All paint etc perfect as are all other issues you list...although I'll add the...EGR once blocked....NEVER again I keep it DIY cleaned every 15000 klms when I service. Usually change all filters, (oil & pollen)....best quality oil and oil filters. Interestingly I see your location as a non-UK (British Isles... I'm Ireland) and you also as did a recent poster from Portugal have "Sticky Dash"... Going... hopefully for NEW 2018 BMW X3 G01 next. WHY?...our age and retired we (wife & I) find the lovely reliable Lexus just a tad low for us getting in and out, thankfully our family was reared before IS220D as the room in the back is too small...the back of our car hardly EVER sat in and it didn't really affect us at all, just sharing info. Plus I've never owned AWD and I'd like to give it a go...always owned a car considered to be of better quality and the Lexus in my view was the best...beating Mercedes I've owned...never owned a BMW before another bucket list reason...LOL

How are they programmed?...thankfully I don't need one but I find this topic of interest...you never know!

I looking to see what others who agree have actually purchased and at what kind of price?...Thanks in advance.

Ask yourself this...would it help? ....I'm only trying to help!! You post a topic wondering what happened.... a few of us take the time to reply and offer suggestions, I'm not telling you what to do.... I'm telling you what I would and others do.

That's all very well regards material damage that can be fixed...both my comments have pointed to what was a most fortunate outcome all things considered. In my second post I mentioned one word in particular to remind us what insurance is really about "wheelchair"...insurance costs but so does everything else. Premiums are not really about the material damages, premiums are high because of the cost of fixing injuries if possible....if not they are about lifelong support for the injured parties. If anyone is killed that hardly means anything to insurance companies (sadly) but if someone is paralysed it means £££Millions in each such case. So your point about choosing to drive without insurance and I accept you make it clear only if an option is in my view taking a narrow view of why we pay. Material things are all that are involved in this case...I would make the claim at least the cost though high would be clawed back over time as no-claims bonuses would kick in. The lad may have been driving a car that cost a few grand, it's now totalled and is worth a few grand in a claim if Comprehensively covered...unless you're rich you can't just keep putting your hand in your pocket to pay premiums and also ignore claims...£500 for 5 years=£2500 (not my figures...previous post)...claim every time to avoid having to come up with BIG money up front...otherwise certainly pointless ever having Comprehensive cover to cover your own interests...just purchase Third Party to cover the points I've made about other road users any driver (not you personally) might maim for life. Please do not take this point of view as an attempt to undermine your post I'm just discussing the valid points we both believe we make as we share experiences. Safe motoring is the goal of ALL.

Yes but reading my post you will note I included the phrase "Sods Law"...if it can it will...IT DID!...Many people proactively maintain their vehicles, that is the very meaning of "maintaining"...ie tyres shouldn't lose pressure but they do...even though no evident puncture. Your car model was pretested before it's production and release but that lasted maybe 18 months ...your car is 6x older than that so as per Sods Law things crop up that weren't expected. In any event I was only pointing out what others living in warm climates do, I don't live in such a climate and never used the foil reflector either....BUT...I fully understand why you would need to or consider it, temperatures in a car where the ambient temp outside is 33-36 C regularly would be sufficient to melt anything you'd be very surprised to find that the inside temp may rise to twice that....and that is two thirds of the way to boiling point.

I anyone's defence I can testify that a car hitting a brink of the road does not need to be speeding to turn over as per photographs provided. I remember an incident going to work one morning on frosty roads, I was a passenger and the driver was really going easy fully aware of the road conditions...doing only 25-30 mph max, crawling. In any event we passed a gateway into a field at the top of a hill and the wind coming through the gate had frozen a solid sheet of ice across the full width of the road at this spot and yes you've guessed the car in which we were in took off literally crossed the road mounted the brink which flipped the car and we were actually on the roof revolving like an ice skater in the middle of the road. Unbelievable!! I could not believe that the outcome was what it was. I do believe your lad wasn't speeding because if he was the car would have rolled several times...it didn't it just flipped over. As I said previously...walked away....better than winning the lotto. No wheelchair for the rest of his life and a hard lesson learned. We pay insurance for such eventualities...they'll sort it.

I've noticed that car owners living in warm climates use foil reflectors on the dash board to reflect the sun's rays from toasting everything ....did you ever use such a device? Clearly the oils in the plastic/vinyl have broken down as a result of UV and IR rays...shouldn't happen but if your car has been exposed unprotected for 10+ years maybe I'm not too surprised. You're a victim of "Sods Law" if it can happen it will. I wish you luck but I can't see it being rectified by Lexus. My only gripe with Lexus is the alloys...ATROCIOUS...each to their own. Your post does stand as a warning to others in hot sunny climates...take whatever precautions you can.

On the road to Matlock??? He's lucky...looking at the car it held it's integrity and saved him. Lucky too no oncoming traffic as the closing speed could well have proved fatal for someone. Any day you can walk away unscathed is better than winning the Lotto...you might not think that today but you will in hindsight...put it down to experience count your blessings and let the Insurance pick up the pieces...unfortunate YES but in the 'Grand Scheme' of things... thankfully fortunate.

I previously mentioned only 2 right side lights bulbs replaced in 11 years they too were in a unit which had come loose and were subject to vibration...once fixed no more replaced. I think you have tracked the issue down and vibration is possibly your culprit too.