well allan,i honestly don,t know where the owners of the cars stand,please dont say "at the bus stop",as far as i know your insurance is valid for claims which must be on a public road,correct me if i am wrong,none of these cars were on a public road,
I think a car is insured where ever it is, road, garage, ferry and most acts of God. Once proof has been given by the police investigation most comprehensive policies will pay. However, if only third party cover has been taken out, you may be on your own. It has to be proven that the Land rover was to blame for other claims.
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.