Although fire coverage is not a guarantee that you must contract out of obligation, many users decide to include it in their policy and thus prevent a loss of this nature. Do you want to know what it is and how far it can protect you? Follow this handy guide.

Currently, within the additional guarantees offered by Car insurance, fire coverage is one of the most requested by users.

Let’s review its peculiarities:

What does the fire warranty cover?

In most cases, fire coverage covers damage to the vehicle caused by fire, as long as it was caused by a third party, a factory failure, or other unforeseen situations.

Remember that in the event of a claim where the fire has been generated by acts of terrorism or vandalism, it will be the Insurance Compensation Consortium who will assume the damages.

Generally, this warranty covers the repair of damages or compensation of the vehicle if it is considered a total loss.

In the latter case, the expert will be the one who determines the severity of the damage and if your car is irreparable. If it turns out to be a total loss, the number of receipts will depend on the age of the car at the time of the claim.

It is important that you know that there are times when this coverage also takes care of the luggage that is inside the car at the time of the accident or loss.

Finally, we tell you that fire coverage can also respond to factory accessories that include your car and that have been damaged during the accident.

Keep in mind that electronic devices like radio or GPS will not always be 100% covered.

What policies already include fire coverage?

Fire coverage is usually included in all Comprehensive Policies and in a large part of the Extended Third Party Car insurance.

If you have not contracted this type of insurance but you are interested in fire coverage, you should contract it as an additional guarantee.

What are the exclusions from fire coverage?

If you are thinking of hiring fire coverage for your car, it is important that you know that it may include certain exclusions that are better to know.

It is often thought that the additional guarantees will respond to any claim related to the coverage that has been contracted, however, there are situations that will not be assumed by the insurer.

In the case of fire coverage, one of the main exclusions relates to the non-fixed parts of the car.

Among the non-fixed parts can be found: the luggage rack, the ski rack, or the stabilizers. Most companies will leave these items and every other component considered an “extra” outside of fire coverage.

In case you want to include these parts of the vehicle in your policy, you must inform your insurer of the existence of these and declare each one of them to the company so that it forms part of the insurance.

In turn, all types of trailers, caravans, or mobile homes that are towed by the car at the time of the accident will be out of coverage.

Finally, the company will not cover the fire damage suffered by the car if the perpetrators correspond to the insured’s relatives.

Tips to avoid a fire claim

  1. Avoid smoking inside the vehicle and putting out cigarettes in the car’s ashtray.
  2. In summer, do not leave papers behind the windshield, the sun and glass can create a magnifying glass effect and cause it to catch fire.
  3. Keep your revisions up to date and have your car serviced regularly.
  4. In the event of any gasoline leak, we advise you to take your car to the garage as soon as possible.


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