Pomp and Circumcized posted:

Yeah, that was me. Insurance paid out about 80% of the value of the car after about 3 months. They paid me £200 to cover the £2700 of tools and equipment that was in the trunk. Even though they know which car started the fire, the insurance companies agreed to cover the costs out of their own pocket, which causes the claim to be classed as my fault, since they couldn't recover the costs from a third party. My insurance premium went from £350 to £1400. This "at-fault fire claim" will be on my insurance record for 5 years, and will affect my premiums until 2023. No word of a iie.