A dying woman covered in burns did not answer a police officer who repeatedly asked "who did this to you, was it your husband?", a Sydney jury has been told.
Neighbour Paul Ciantar said Parwinder Kaur just looked at the officer, turned her head to the side and didn't say anything, as she lay on the footpath outside her Rouse Hill home.
She did tell an officer "please cover me up, please cover me up" as a blanket was positioned to give her privacy when her smouldering underpants were gently cut away from her body.
Another neighbour has told the jury the only words she heard Ms Kaur say were: "Please cover my bottom, please cover my bottom."
Her husband, Kulwinder Singh, 41, has pleaded not guilty in the NSW Supreme Court to murdering the 32-year-old in December 2013.
She sustained burns to 90 per cent of her body in the petrol-fuelled blaze at their home.
The Crown alleges Singh was responsible for her death, but he told police "she did it to herself" while he was upstairs.
Mr Ciantar told the jury on Friday he was walking to his letterbox when he heard a loud piercing scream and another neighbour calling for someone to get a blanket.
He obtained a chequered picnic blanket and then saw a woman across the footpath, with a blanket already over her, and a distressed man trying to talk to her in a language other than English.
Mr Ciantar said he asked the woman her name but "she just looked in my eyes and closed her eyes and she didn't say nothing".
He heard the man tell police: "Please look after my wife, take care of her."
Mr Ciantar said he also heard an officer repeatedly ask the woman if her husband "did this" to her but she did not reply.
Neighbour Geoffrey Shute testified that a few days before the fire, Singh asked him if a pest control quote was reasonable, and Mr Shute's wife said it was the right price.
Out of the blue Singh then said he was "not happy with his wife because she had given $40,000 to her brother".
After checking he said $40,000 and not $4000, Mr Shute said he asked if the brother was going to pay it back.
"He said he didn't think so," the neighbour told the court.
Singh indicated this was part of the reason why he hadn't done work on his front yard.
The trial continues before Justice Natalie Adams.