When turning on the ignition, only the charging warning light came on, no fuel gauge and no starter, but I could hear the fuel pump running.
A quick perusal of the handbook showed that the gauges are fed by F12, so that was checked and found to be OK. On a hunch, I pulled out the starter inhibit relay (lucky I remembered which one it is) and bypassed it, and then found that the engine would start.
After mucking about for some time getting nowhere, I tried bodging a feed into the live side of F12, and the gauges and A/C sprang into life (it was about 35 degrees outside the car and 45 degrees inside by this time).
So I drove it 500 miles home in that condition, never missing a beat. On checking the wiring diagrams it looked as if a fault that lost power to F12, but still let the engine run must be internal to the fusebox.
I found the correct fusebox in a scrapyard yesterday and fitted it, and everything is returned to normal.
I opened up the old unit, but could not see any fault until viewing with strong magnification: (sorry about the uncropped picture, scroll to the bottom right)

Amazing that it worked happily for 15 years before a sudden catastrophic failure.