Disgusted Client

I am a very disappointed client of virseker insurance. I bought a Ford Ranger 2.2 financed through Wesbank and as it should be I needed an insurance on my vehicle as a requirement from the bank as well as for my own financial safety. I bought vehicle insurance from virseker insurance about a year and a half ago, and on the 7th of September 2018 I was driving and suddenly there came smoke through the airvents I immediately stopped and the person driving behind me at the time stopped as well we both tried to open up the bonnet so that we could extinct the fire with the fire extinguisher. But when we approached the bonnet the fire was already very feerce as the wind was blowing extremely rough. We managed to open the bonnet with the rubber floor mat and saw the fire burning from the left side beside the battery. The fire was extremely fast and before we could extinguished the fire both the front tyres bursts. At that point no body could have came near the burning vehicle as it was to dangerous, there was metal running on the ground beside the burning vehicle in about 20 minutes the vehicle was burned to the ground in result of the extreme wind. I called the fire department in Modimolle for assistance but I couldn't manage to get hold of them, so I called Virseker Insurance and told them what happened and also I said to them the wind is blowing heavily, although they could hear the wind on the other side. Virseker send me the towing company for assistance. After several weeks virseker insurance send me an email stating that they cannot approve the claim because of wear and tear on the vehicle. I sent the claims department a dispute letter telling them about the experience and virseker insurance went quiet for 2 months, no response. On the 7th of January 2019 I called Virseker Insurance to ask them what about my claim now. And a lady named Tessa told me she would look in to it for me and will let me know. On the 11 th of January 2019 she called me back and said that Virseker Insurance is not going to pay my insurance claim again because it was according to them a wear and tear problem. I asked Tessa if she could please send me a copy of the recordings made on the day that my vehicle burnt-out, she told me she would be glad to send me a copy as soon as possible. I am still waiting for the recording copy and in the meantime Wesbank is asking me why is the claim not being processed. I did what every consumer is supposed to do and it is to have a reliable Insurance, but clearly Virseker Insurance is not reliable. Because I lost my vehicle in a fire that was fed with extreme wind and I could not safe my vehicle. If the wind was not that bad I could have extinguished the fire and my vehicle would have still be driving, but because of a nature cause I lost my vehicle. My personal reason for the damage is natural disaster and the contract I signed with Virseker Insurance stated that natural disaster is covered so why not pay my claim? And why are they refusing to sent me a copy of the telephone call from the spesific day? Is it because the proof of the wind blowing heavily is on there?