Hello my name is ***** ***** I will help you.
The insurance are saying it was a mechanical fault, is that right?
What does your insurance policy say about this please?
Ok - then it is covered.
Because it is can accident/damaged caused by - your car.
So it should be covered. If they refuse then you can complain to the Financial Ombudsman. That is an independent regulator that can examine your complaint for free at: www.financial-ombudsman.org.uk
Can I clarify anything for you about this today please?Alex