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We all know that Dubai is one of the hottest cities on earth, particularly during the sweltering summer months when the air feels like it's on fire. The risk of fire occurring is also high during the summer. 

The media frequently reports on tragic fires, but what about those brought on during daily driving? Do they have car insurance in Dubai? In this article, we will address your concerns about motor insurance in Dubai in the context of fire damage.

Based On The Policy

Keep in mind that comprehensive car insurance is the only policy that provides coverage for vehicle damages. This implies that unless there are special circumstances, you will never get coverage for such damage if your policy is limited to third-party liability (the minimum requirement for car insurance in Dubai).

Based On The Circumstances

The aspect of collision mentioned in your car insurance policy will definitely pay for the damage if your car gets damaged by fire. The damage will be covered and paid for by a third-party insurance policy if they are at fault. Your comprehensive insurance will provide coverage if you are at fault. Even if the fire damage is from spontaneous combustion like overheating or a lightning strike, your comprehensive car insurance coverage will cover you. 

You Can Contribute To Lowering The Risk

Claims of spontaneous combustion are widespread in Dubai's scorching summertime heat. When combined with the ambient temperature outside, mechanical movements within automobile engines and auto electrics, such as in-car entertainment systems, air conditioning systems, and multiple switches that power dashboard displays, all produce heat, which might lead to overheating and result in fires on vehicles. So, it's crucial to ensure your car's maintenance, check the coolant level, and service your air conditioning and other systems frequently. Additionally, try to reconsider your driving habits during the heavy summer in Dubai. Risk must be mitigated or eliminated whenever possible.

From an insurance standpoint, it's crucial to take essential steps because some policies have provisions stating that a car must be kept in good condition in order for coverage to be effective. This might also be a crucial provision for you to follow if your vehicle is covered by a manufacturer's warranty since failing to maintain your motor could result in the cancellation of your warranty.

Real Facts About Car Fires

Mechanical failure: The main factor contributing to auto fires is mechanical failure. Consider warped wiring, an aging AC system, faulty fuel lines, or a bad battery that frequently shorts out.

Collisions: Vehicle damage caused by a collision in which system coolants, engine oil, and other vital fluids may have flowed out. The ultimate issue will be igniting the fire. Although accidents only cause 5% of vehicle fires, they are responsible for 63% of fire fatalities because they might make exiting the vehicle impossible due to injuries or damage.  

Poor maintenance: The likelihood of concealed wear and tear that could cause mechanical or electrical breakdowns increases with the age of the vehicle.

How Do You Handle a Fire In Your Car?

Pullover: Bring your vehicle to a complete stop and move it to the roadside.

Shut the engine off: It's crucial to turn off the engine to stop fuel flow and switch off electrical components.

Get away from the vehicle: You should escape right away, along with your passengers. Move away from the vehicle by at least 30 meters.

Dial 999 for emergencies: Don't wait for anything during the fire that catches your car. Dial the emergency service number.