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our car recently caught fire and the fire brigade suspects it may have been an electrical fault, if this is true, the insurance co may not pay out under our third party fire and theft policy!!! surely a fire is a fire regardless of the cause! but apparently it is highlighted in the 'small print' which we never saw, should we have requested a copy of the terms or should they have automatically been posted out to us?

Submitted: 448 days and 17 hours ago.

Category: Legal

Value: $12

Status: CLOSED

1994 BMW

Posted by autotech155 448 days and 17 hours ago.

Answer

Hello welcome to JA.. Most insurance companies are not clear on there polices and they would most likey say you should have read the small print .Eric

448 days and 17 hours ago.

Reply

but why wouldnt it be covered if it was electrical? and can they really tell that it was electrical and will they have to prove exactly what caused it, there is very little left of the car, it burned for about an hour before the fire brigade were called and were able to put it out!!!

Posted by autotech155 448 days and 17 hours ago.

Answer

Hello if they have a clause in the contract that says that wont cover an electrical fire then they dont have to pay the claim. You can have the car checked by an inspector to find out what happened and caused the fire. The insurance company would have there own people check it and determine what the cause of the fire was. Eric

446 days and 12 hours ago.

Reply

but, will they have to prove that it was an electrical fault? and if they cant, will they have to pay out, this is what i need to know and dont feel you have answered that

Accepted Answer

Hello ok they will have to prove the fault and then you can discuse the issue with them on wheater or not they are willing to pay the claim. Eric

Accepts:
Expert:	autotech155
Pos. Feedback:	n/a
Answered:	9/2/2008

Ase certified automotive technican

automotive repair and some knolage of insurance clsims

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1994 BMW

Answer

Hello welcome to JA.. Most insurance companies are not clear on there polices and they would most likey say you should have read the small print .Eric

Reply

but why wouldnt it be covered if it was electrical? and can they really tell that it was electrical and will they have to prove exactly what caused it, there is very little left of the car, it burned for about an hour before the fire brigade were called and were able to put it out!!!

Answer

Reply

but, will they have to prove that it was an electrical fault? and if they cant, will they have to pay out, this is what i need to know and dont feel you have answered that

Accepted Answer

Hello ok they will have to prove the fault and then you can discuse the issue with them on wheater or not they are willing to pay the claim. Eric

Law

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Question

Optional Information

1994 BMW

Answer

Hello welcome to JA.. Most insurance companies are not clear on there polices and they would most likey say you should have read the small print .Eric

Reply

but why wouldnt it be covered if it was electrical? and can they really tell that it was electrical and will they have to prove exactly what caused it, there is very little left of the car, it burned for about an hour before the fire brigade were called and were able to put it out!!!

Answer

Reply

but, will they have to prove that it was an electrical fault? and if they cant, will they have to pay out, this is what i need to know and dont feel you have answered that

Accepted Answer

Hello ok they will have to prove the fault and then you can discuse the issue with them on wheater or not they are willing to pay the claim. Eric

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