At the end of the summer I was parking up my car on the drive , after driving home from Cardiff a journey of some 20 miles. As I was parking I noticed smoke or steam coming from the engine bay of my car . On investigation it was aberrant the car was on fire I then Extinguished the fire using fire extinguisher from my garage .
When then contacted our insurance company and the arranged collection for examination . I spoke to the examiner over the phone and he reported he could not find any damage. He also reported that the car would also still start . And reported the car as a 'no claim' back to the insurance company . The car was then sent back to me with notices posted on the windows , 'THIS CAR IS NOT TO BE DRIVEN'
I have since taken the car to an independent garage to have it overhauled. The garage have since reported back to me that there was 'fire damage' to the car and I will need to replace the inlet manifold . And some wire repairs will have to be done.
My questions are;
I have paid for fully comprehensive insurance and if I had let the car burn I would of had a full pay out!
They collected the car and clearly stated on the car it was not fit for purpose??
I am now confused to how to handle the situation . The insurance company took my money for the cover . Have informed me not to use the car but have also told me no claim?? Was it my fault for putting out the fire??
I have asked the independent garage if they can produce a report on their finds and I am of a mind to challenge the insurance company as I think they have a claim to address.