The insurance situation is pretty straightforward. If you have comprehensive insurance, your car would be covered on the road, on private land (your driveway or garage for instance), in a public car park, or on public land e.g. parking in a field at a car boot sale. Your car would be covered pretty much anywhere that you are (legally) likely to take it in the UK.
The cause of this loss was a spreading vehicle fire, which would be insured. The only time this would not be an insured loss is if the cover is Third Party Only and not many insurers would offer that any more. (The big jump in premium would be likely to be from Third Party Fire and Theft cover to Comprehensive. As the only owners likely to look for third party cover are (usually) driving low value vehicles, there is very little difference in premium between TPF&T and TP only.
Hope this helps.
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