ABSA i-Direct Insurance injustice

On the 7th of June 2020 my BMW caught on fire while I was driving and was concluded to be a right off by the insurance. The car had previously been serviced by BMW on the 14th of May and was well taken care of. I logged a claim against BMW on the 8th of June 2020 in assumption that the service could've caused the problem, an investigation by BMW was done and the matter was found to be an insurance issue.

I further communicated the issue with the Motor Industry Ombudsman of South Africa (MIOSA) and they also did an investigation and found the matter to be an insurance issue. I went back with the findings to ABSA i-direct and requested that the insurance pays off the car as it is written off, to the value it was insured.

ABSA i-direct refused saying the Peril isn't insured and that the fire started due to a mechanical fault and they will not pay. I then went to the Ombudsman for Short Term Insurance (OSTI) and they sent an informal recommendation to the insurance, where apparently the insurance still refused to settle the car.

I feel powerless and as if the insurance didn't do what I was paying it for all this time. I even sent a response letter to OSTI stating that the insurance can also only pay for the items damaged by the fire as fire is covered by the comprehensive cover I was paying for, but I assume that didn't work as well. I am, every month paying for a car sitting, broken in my parking lot. It is financially straining and yet I had an insurance to cover a write off if ever it happens.

I would like the ABSA i-direct Management to re-look this case and give a fair judgement, because I feel they didn't. Last Month I was diagnosed with COVID and this is because I was taking 7 taxis, to and from work as I couldn't financially afford a car.

I have had a very good relationship with the other ABSA divisions and have expressed it here on Hellopeter as well, it is just the insurance division that is not treating me well.