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It is possible that the claim would fail. There is case law regarding vehicles and fires. and when an insurance company is liable to pay out.
A court of appeal hearing that held the insurance company liable, was actually overturned on Appel to the Supreme Court, who said that a strict following of the Road traffic act should be followed, and that "we will cover you…if you have an accident in your vehicle or if there is an accident caused by or arising out of your use of your vehicle on a road or other public place"
"It was further suggested that whether an accident has truly arisen out of the “use” of a vehicle will require an analysis of the “connection in time, place and circumstance between the use of the car on the road and the accident.”
Was the vehicle actually being used at that time.
The vehicle was parked up, not being driven, and could be argued was simply being used to store the tools etc. Tools which could have been unloaded at the end of the day.
Therefore, there is a big possibility that should you take the matter to court to claim for the tools, that you could loose, and be further out of pocket covering legal fees. Plus the possibility that Ford push their suggestion further that it was arson.