Hello, welcome to the website. My name isXXXXX can assist you with this.
First of all, you're absolutely right to get an independent garage to report their findings.
Secondly, you were right to not let it burn completely!
What is the insurer's formal position - will they not pay out at all now?
They were very vague with their response and it dragged for a couple of months . Then after calling them they informed me that it was a no claim and to make arrangements to pick up the car.
Okay. You need to make it clear to them, as you have done in this question, that there is in fact a claim and that you expect to be paid out. You should do this in writing/email.
Then, if you get nowhere ...
You should ask them for their final response.
They must provide this when you ask for it. Basically, you would then be entitled to raise a complaint with the Financial Ombudsman service, and he can then review the insurer's decision and they was they have behaved in dealing with your claim.
He has the power to require them to pay up, or alternatively, to award general compensation for the way it has been dealt with.
You can find the website for the Ombudsman here: http://www.financial-ombudsman.org.uk
What should I expect from them in way of a settlement ??
Usually the value to repair or, where repair is not possible, the market value of the vehicle itself.
Yes was not sure, because if it was proven to be mechanical fault would I not be then liable??
No, usually these things are covered on the insurance when it results in fire damage. This is usually always covered but you do need to read the terms of your policy to check.
Ok thanks for your help!
Have a good weekend.