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Does Your Car Insurance Policy Cover Fire Damage?

Published On Jul 28, 2021, Updated On Jul 29, 2021

Read this article to know if your car insurance policy covers damage sustained by fire to your car.

Aside from being a legal requirement, a car insurance policy serves as a safety net for car-related expenses such as legal liabilities and accidents. The extent of the policy's coverage, however, is determined by the type of policy you choose to insure your car with. You must also keep the policy active, be truthful, and file any claims (if any) as soon as possible. Continue reading for a detailed explanation of a car insurance policy's fire damage coverage.

Does Your Car Insurance Policy Cover Fire Damage?

Car Insurance For Fire Damage 

"Does Comprehensive Car Insurance Cover Fire Damage?" This answer, however, is subject to certain conditions. For example, if you only have basic Third-Party Liability Car Insurance, it will not cover the damage. However, if you have paid the premium for Comprehensive Cover, such incidents will be covered. By reading the Policy Wording, you can learn all about the coverage and the terms and conditions of an insurance plan. Alternatively, you can simply browse the insurer's website or call/email them to inquire about a car insurance policy.

Car Insurance Types That Cover Fire Damage

In the Indian market, you can pick from three types of basic car insurance policies. They are a Third-party liability policy, a Comprehensive car insurance policy, and Standalone Own Damage Cover. Among these three, the Comprehensive and Standalone own-damage car insurance offers cover for fire damages sustained by your car. Purchasing a Standalone own-damage car insurance cover will mean that the insurance company will cover the damages to the insured car, which is not the case with the basic liability-only plan. Comprehensive Car Insurance also offers cover for fire, theft, and natural disasters due to the Own Damage component of its coverage.

Since you are getting more coverage with the Comprehensive Plan, you must pay a higher premium to purchase it. The cost of such a plan varies depending on the insurer. As a result, it is critical to conduct research and compare plans before insuring your vehicle. Smartphones and the internet have simplified the process. All you have to do is spend five to ten minutes researching and another five to ten minutes writing.

Reasons For Fire Damages To Your Car

A car can catch fire in a variety of ways. Some are under your direct control, while others are not. Here are some of the causes of car fires -

  •  Fire in the Garage

There could be a short circuit in the garage, causing the entire area to burn. If the garage itself catches fire, a car parked in it can catch fire.

  • Engine Detonation

A fire can start if the engine overheats. This is possible if the vehicle is in poor condition. The fire can also spread to the engine from other parts of the car or from outside the car, resulting in an engine fire.

You may also like to read:- How to Cancel A Car Insurance Policy and Receive A Refund? 

  • Accidental Fire

On several occasions, a major accident has resulted in the car exploding in flames. This can occur in the event of a car accident involving both single and multiple vehicles.

  • Concerning Mechanical Issues Fire

Faulty wiring in the vehicle can cause issues. While installing extra accessories, some people tamper with the car's original wiring. If this task is not completed according to the guidelines, it may result in a fire.

  • Fire Caused by Vandalism

Rioting can cause significant property damage. In such cases, a car can also catch fire. Vandalism can cause a car fire both directly and indirectly.

Also Read:- All About Car Insurance Frauds In India

Take Away

While there can be numerous reasons for a fire, it is very important to make sure you are safe from it. When you have your car insured, you will not have to worry about any such damages. Remember to be truthful with your car insurance providers to get your claim approved. Accidents are unpredictable. Thus, always insure your car and drive safely.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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