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Discos are notorious for eating gearboxes and engines - not cheap!!!!
The insurance is very high as they're dead easy (and popular) to steal
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Depends on the engine, I have a TDi200 with a Land Rover engine which are pretty bullet proof. The later Italian engines give trouble. Gearboxes and trannies, hmmmm, can be troublesome and noisy. But what else can you expect with a 50 year old British design, better going for an auto