Your RTO details
RTO name
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Get Car Insurance starting at only 2094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

    Other models
    Other variants
    Select your variant
    View all variants
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Does Your Car Insurance Policy Cover Fire Damage?

      The rising number of cars on the roads of India is not only increasing the traffic and pollution but also leading to incidents of fire in the past few years. Even though a majority of car insurance providers do not take this responsibility and pass the blame over the tempered wiring of the car, but what does happen to the insurance claims in such situations? Many of us think whether the insurance claim gets honored in such cases when the car catches fire? Or the insurance company rejects it? Well, this article will give you the answer to all these questions.

      Read more

      What is Covered in Your Car Insurance Policy?

      The experts of the car insurance industry say that if you have insured your car with a comprehensive car insurance plan, then the insurance company provides you coverage against any loss or damage to your vehicle caused because of fire. These losses and damages can be internal or external such as damage in the wirings of the car or damage to the electrical fittings of some of the electrical parts and vehicle components because of fire. For claim settlement, fire is termed as actual ignition in or of the car in the flames that is visible. In this way, if your car is damaged because of short-circuiting or overheating, then it is not considered as real fire and the claims for it are not accepted by the insurer.

      Therefore, damage or loss to your car because of fire is covered under the comprehensive plan. However, such damages are not covered in third-party insurance. With a comprehensive plan, the insurance provider honors the claim if it has made sure that the loss or damage is because of fire or because of external or internal means. However, if the damage due to fire is proven to be intentional by the owner, then the claim is rejected by the insurer.

      One more example to understand this is when vehicles are set on fire because of riots. Even such cases are covered in best car insurance with comprehensive coverage. If the engine catches fire and the vehicle is burnt completely, then the insurer pays the value of the car minus deductibles.

      How to Make a Claim in Such Cases

      When your car catches fire, you should contact your insurance provider immediately and the police for reporting the issue. Immediate reporting of the issue to the insurance provider helps to arrange a spot survey. The surveys at the spot help to settle the claim fast. The insurer can also ask to provide a detailed copy of FIR that contains the details of the incident. This consecutively helps the insurer to carry out their investigation. While investigation, if it is found that the accident was planned or a result of some thoughtful attempt of the insured for claiming the insurance, then the claim is rejected.  

      Documents Required for Claim Settlement

      You have to provide the following documents for claim settlement:

      • Duly filled and signed claim form
      • FIR and Final Report of Investigation
      • Insurance policy’s copy
      • Report of the fire brigade, if it is called
      • Assessment or survey report for substantiating the losses because of damage to the insured vehicle.
      • Cutting of newspaper wherein the riots incidences are reported.
      • Original bills of replacement or repairs.

      Scenarios of Claim Rejection

      There are a few scenarios wherein the claim of your car insurance policy is rejected if your car catches fire. These scenarios are:

      Mechanical Defects

      • Mechanical defects such as fuel seepage, oil leakage, engine’s overheating, high pressure on the vulnerable parts of the car, etc.
      • Because of the sparks due to tear in the electric wiring system of the car.
      • Sparks through the battery of the car, that is unable to support the fitment of other additional accessories.
      • Replacement or installation of air conditioner, LPG gas kits, etc.
      • Defects or short circuits because of the tempering of the wiring (electrical) system for fitting some extra accessories such as amplifiers, woofers, fog lamps, headlamps, air filters, alarms, etc.


      The claims because of a car fire can be rejected if any unauthorized accessories are fitted in your car and the fire is caught because of such accessories. Therefore, the car owners should ensure to use authorized accessories and as well make sure that the original system of wiring is not altered beyond the mentioned limit.

      It is, therefore, necessary that car owners don't tamper the car's original electric system for fitting the accessories that consume higher voltage. The mechanic at the time of repair should ensure that the wiring system is not at all tempered. The owner should also install a small fire extinguisher in the car that can help in the case of an emergency. 

      Exclusions that You Can Include by Paying Some Extra Premium

      There are some expenses and risks other than some permanent exclusions that are mentioned above, that are not included in a standard comprehensive policy, but may be included within the policy by paying some extra premium, these are:

      • Normal Wear and Tear: Loss because of normal wear and tear of the vehicle is not included in a standard comprehensive cover. However, if you take the wear and tear add-on, you can get additional coverage for your plan.
      • Roadside Assistance: A 24x7 assistance at the roadside gives support for the car's breakdown at the roadside.
      • Extended Accidental Cover: A basic cover for the personal accident for the owner is provided if the owner has a valid driving license and can drive a car. However, the co-passengers and other hired drivers are not covered in personal accident cover. An optional add-on to cover co-passengers and paid driver is available, which you can avail.
      • Zero-Depreciation Cover: A zero-depreciation or nil-depreciation is also known as bumper to bumper insurance. It is a car insurance rider that leaves the factor of depreciation of your car with time from the coverage and provides you complete cover.

      These are some of the add-on covers or riders, however there are many other riders that you can opt for.

      Final Words:

      If you know about insurance policies, then you may also know that nothing comes with a mark of an asterisk. While what your insurance plan covers is written in bold and big letters, its exclusions and terms & conditions are mentioned in small letters and a car insurance plan is nothing different. However, keeping inclusions and exclusions and conditions of your insurance plan in mind, you can easily process the claim and get it settled. So, in case of damage from a fire in your car, go for claim settlement and if it is genuine, then your insurance provider will settle it.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar
      Claim Assurance Program

      Car insurance articles

      • Recent Article
      • Popular Articles
      11 Jun 2024

      How to Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand

      Read more
      21 May 2024

      Get Faster Claim Settlement with Policybazaar...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      11 Aug 2021

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more
      20 Jun 2019

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more
      20 Dec 2021

      How To Find Car Insurance Details By Registration...

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more
      03 Jun 2016

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more
      20 Jul 2017

      Comprehensive Insurance Vs Third Party Insurance

      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due

      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.