My car lost 1st, 2nd and 5th gears as in when you selected them nothing happened.
It turned out to be linkage, apparently a single bolt had come loose and dropped down into the gearbox. Kinda lucky it was found, it could've ended up being fired through the casing.
I'd be all for these crazy regulations but only if it means that people won't get ****ed over on insurance.
I've never had my own policy on my car simply because I cannot afford it, meaning I haven't collected any no claims bonus or whatever, despite driving for two years with no accidents.