As temperatures climb, vehicle fire risks increase, prompting a call for comprehensive insurance coverage.
With the soaring summer temperatures increasing the risk of vehicle fires, motorists in the UAE are being urged to enhance their car insurance policies to include fire protection.
While it is mandatory for all car owners to have insurance, many opt for the more affordable third-party liability (TPL) coverage, which only covers damages to the other party’s vehicle and their medical expenses in the event of an accident. TPL does not cover damages from natural disasters or non-traffic-related incidents, such as floods or fires.
“Only a comprehensive car insurance plan can provide full coverage to both the insured and the third party in case of an accident. Almost everything is covered by a comprehensive car insurance policy, including theft, complete loss of the vehicle, fire, natural disasters, and vandalism. There are also add-on services like engine cover, accessories cover, etc.,” Neeraj Gupta, CEO of Policybazaar.ae, told Khaleej Times.
“Car owners will have to pay extra but that will give them peace of mind. Comprehensive coverage is worth adding to your insurance policy if you’re looking to protect your car in all scenarios,” he emphasized, noting that upgrading from TPL to comprehensive insurance typically costs an additional Dh700 to Dh800 for a sedan or SUV.
Rising Vehicle Fire Risks
Recently, Dubai Police issued a warning on social media, alerting motorists that “as temperatures rise in summer, there’s an increased risk of vehicle fires due to various factors, including everyday items like perfumes and mobile phone chargers igniting fires at high temperatures.” They cautioned against leaving flammable items like e-cigarettes, lighters, perfumes, sanitation sprays, and power banks inside vehicles, as these can be extremely dangerous.
Dubai Police also urged regular car servicing and announced free car inspection services for motorists until the end of August.
Preventive Measures
Road safety experts advise motorists to check for damaged or loose wiring, monitor fuel or oil levels and engine temperature, and be alert to signs such as the smell of burning rubber or metal, or smoke from the engine or brakes. Any blown fuses, unusual noises from the exhaust system, spilled oil, or ill-fitting oil caps should be addressed immediately. Worn-out or loose hoses should also be replaced without delay.
The Impact of Poor Maintenance
According to RoadSafety UAE, “vehicle fires are a burning issue in the UAE – literally – especially in the hot summer months.” Research indicates that 75 percent of vehicle fires are due to poor maintenance, mechanical, or electrical failures or malfunctions. Collisions or overturns account for only 3 percent of the fires but result in 57 percent of associated deaths, with a third of non-fatal vehicle fire injuries occurring when civilians attempt to extinguish the fire themselves.
Lessons from Flood Experiences
Following unprecedented heavy rains in mid-April, insurance premiums increased by up to 30 percent from May 1. Many motorists realized that cars insured only with TPL were not covered for flood damages, leading to a 100 percent increase in demand for comprehensive insurance. This coverage not only protects against floods but also provides crucial protection against vehicle fires, as emphasized by Gupta.
Motorists are strongly advised to consider comprehensive insurance for broader protection, ensuring their vehicles are safeguarded against all potential risks, including fire.
