My car caught FIRE - What happened and why | Car Insurance advice you SHOULD know 

Bottom line … insurance is not insurance It’s the best legal scam

As the towie that came to pick you up glad to see your back on the road hope to see you out on the tracks not on the truck cheers

Lucky mate. Insurance companies will use anything to avoid paying

Good your OK, bloody insurance companies don't want to part with their money and trying to get out of it

Rats have been known to enter the engine bay when its cold to keep warm. They they start to chew on the wiring and cause short circuits. Next thing you know when driving you have a fire.

What a score! Good to see your happy with it mate 😊

Need to get a fire extinguisher for electrical fires.

Bloody loss mate I feel for ya I’m glad In the end it got all sorted bigger and better things moving forward, keen for another camp.

Good to see you had a win and all turned out well.

Thanks for the tip Todd and great news how things turn out great at the end. I’m on the hunt for a new insurance and hard to choose which is which.

Hey Todd, I know that sinking feeling mate. Going around a blind corner heading down a hill when some fool, over .05, stoned (medically apparently😂), unregistered and driving like a fool came across the double lines and we hit head on at around 170-180kph! Between me seeing his rooftop coming up around the bend and watching the centre of his grill hit my driver's side chassis rail took just enough time - like 0.8 seconds, for me to think to myself...'so, this is how it ends.' I was in my pride & joy 2015 Hilux (MY'14) nearly ready to take on the cape. This was late during covid and the increased value era, shall we say, I searched and searched for a Hilux of the same model and k's...I purchased it new for $44k. Same car then had gone to $45-48k but they would only give me $24k. After 4mths with no work car and arguing my point I got $29k and the bought an emaculate '08 Prado Grande for $29k xxey but I love it and been watching your vids since. I just want to stress your point to all others...KNOW YOUR POLICY! If he was insured I would have got a replacement but in his state I was getting whatever I could argue for which still wasn't enough. He went away in the westpack chopper and is now doing time. I walked away in amazment at how good airbags are.

It’s easy to say insurance companies will do anything to reject a claim but I would hate to think how many 4wds burn to the ground due to dodgy 12 volt install and then go for a claim. To do a proper big 12 v install takes a lot of thought and planning, or any install for that matter. Happy for you that it worked out I would hate to go through something like this.

Good video, on a separate note thanks for the recent Brunswick trip. Was an awesome day out. - The Mighty PS

Very informative video 👍. A couple of years ago my wife's colorado was written off ( rac) and at the time it had my rims and tyres on. The assessor was happy for me to go and swap them back. I was very surprised.

Fn insurance companies. Glad you got a payout but sad you lost your ride. Also good you got some accessories back. Thanks for sharing 👍

years ago I was driving from Adelaide to Wagga when it got smokey I pulled over in the middle of nowhere lifted the bonnet and saw flames, I rushed to get the fire extinguisher and put the fire out, and with no phone reception managed to flag someone down. the insurance company played hard to talk to with my claim the same thing happened to me but they said b if I had left it they would have paid out but because I stopped the fire they would not.

Well done mate, its great that you found an awesome replacement 😊

The same thing happened to me, My car was a Nissan patrol. I put the insurance claim into the hands of lawyers. It went to court and i won the claim. 2 weeks later I got the value of the car. That doesn't include all the mods it had on it. I now have a 2018 JK jeep wrangler unlimited.

Great advice mate thanks for the tip 👍

Thanks Todd, I watched the video twice and you explained it all really well. I had no idea quite how close you came to having the fuel filter ignite! Lucky you weren't trying to get your toddler out of his carseat during the fire! I was interested that the engine was initially still running. If you had turned the engine off straight away, does that mean your water pump would not have worked? Do you have a fire extinguisher as well? Do you have any mates or contacts who are auto-electricians? They might have some expert advice for powering up your extra gadgets. I am thrilled you found a replacement; 'Phoenix' is perfect for the new name :)

Well done on your persistence Todd, smart negotiation and disclosures about the non-disclosure of insurance practices that use back door loop holes and exit clauses to nullify claims - I don’t have to tell you to enjoy your ‘new’ L200 - I wanted to keep my ‘98 Subaru WRX but sold it to buy a house and find a well-loved Hilux - thank goodness you opted to stay with a Toyota and not buy a new Ford Ranger with their apparent issues as folk are now discovering with dismay.

Fuck. What a shock and what a story. Never expected this to pop up. Im glad it worked out for you

Good outcome. I’ve just purchased a new car and been with RAC for years. May have to reassess.

I guess that insurance companies are partly worried about covering costs related to , in some cases, could be seen as slack vehicle maintenance .

Thanks mate, great video

Can't tell you how much insurance has been taken away from Vic Rac due similar experience with them. Will say that there are companies with brilliant service within the insurance industry. Well done on sharing your story and getting a better than could have been outcome

I just checked 4 big and popular insurance companies the clause they got you on doesn't apply in the context your insurer used it in most. They simply say they won't repair structural, mechanical, electrical or electronic failure or breakdown in the same way they won't repair tyre damage. One of them which has a lot of enthusiasts covered however adds the words "You are not covered under any section of this policy for damage, loss, cost or legal liability that is caused by or arises from or involves: • any structural, mechanical, electrical or electronic failure or breakdown". I am involved in a Car Club with several hundred members across Australia 90% of whom I am sure are insured through this popular insurer and ALL or whom are now aware of this stupid policy. This is going to cost Shannon's dearly as both Enthusiast Car Insurance and RACV Enthusiast Insurance don't use this exclusion clause in this way and will in fact fully cover your losses to the value of the sum insured. RACV goes so far as to expressly say so in their coverage statement that they will cover you in case of loss due to vehicle fire.

Thank you for the hot tip, pardon the pun x

good to see you got in to another 200

Glad u r back on the road. After watching this I checked my insurance and unlike yours it covers fire without any reference to what caused the fire and does not separate electrical etc. Your insurance company sucks. One of my past 4x4 's that my daughter wrote off ( not her fault ). We were able to take anything off it we wanted.

Hi just started to follow you. Great Tips to look on insurance cover . How do you know this crusier is not going to catch fire from the same earth problem again. 🤔

Interesting. An earthing problem caused a fire! I thought rated wiring looms with fuses, protect wires from overloading and getting hot? It would be good to understand the problem. Is it an OEM defect or aftermarket product install issue?

A contract for agreed value is just that. If you are aware that the value of your car has increases substantially during your period of insurance, which has happened with a lot of vehicles these last couple of years, you, as the insured party, should negotiate a new agreed value at any time during the year, and pay any premium adjustment. It's not rocket science. It's pretty easy to moan and groan that the next renewal has lifted the agreed value by 30%, rather than praise the company for doing that. Keep on top of your asset protection, folks.

Good to hear you got it paid out, that's scary stuff (fire and insurance loophole) - are you still insured with RAC now?

So glad things worked out for you, would you go with the same insurer again after your experience or someone else

Just found your channel. Looks like your in WA too?

I’m interested to know if the items they allowed you to take off the car where listed on the insurance policy as additional accessories? And did you have to pay for them?

Great video contexts!!! although you should follow a guideline of subject as thinking as you speak makes the video hard to follow. Lots of hum, mmm, and repeating words. Speak to a cold camera instead of an audience isn’t easy. Keep them coming Your channel is pretty good Cheers

You know, i think i might up my value after this 😅

Any ideas how to prevent or identify this wiring short or issue prior?

Beautiful looking car. Looks too clean tho. When are we getting her dirty?

Glad your claim was eventually accepted and you are through the worst of the experience. The new rig looks very nice. Can you reveal how much you paid?

Insurance best equals 'In-Shallah'

So what caused the fire

If they make the claim of computer or electrical or whatever. They need to prove there claim. He who makes the claim need to prove the claim.

They are all the same in insurance companies dont understand how they are all part time not any full time ones...

NRMA will pay u with in a week my father in law car burnt to the ground an was payed with in a week

So your suspension breaks causing you to crash, there is no insurance. Dogshit policy

Thank god i decided to leave rac and go to club 4x4

Give me an old Dodge or Ford 4x4 truck.... pre 70's you can install any engine...ANY SIZE, ANYTHING... and build it custom.