Damage from Fire
Fire in insurance terms is defined as setting on fire an object that should not be on fire—either by accident or by chance. No person is safe from the risk of losing property, or one’s life as a result of a fire. Fire damage can take place due to a series of events over which humans have no control; or it can be the result of some person deliberately setting fire to an object. This is referred to as arson.
The effects of fire damage can be devastating, losing your house or obtaining serious burn wounds can be extremely traumatic. Cars are not excluded from fire damage, older cars electrical systems in particular can cause a big risk. Insurance against fire damage will help to soften to blow should you lose property because of a fire. Insurance cover against fire damage will assist the insured party to repair or replace property, such as car, after the experience of fire damage.
Fire will be a specific peril (risk) covered in an insurance policy and usually refers not just to fire damage but also lightning or thunderbolt, explosions and any additional fire-related perils as stated in the policy.
Check your insurance policies to ensure that you enjoy fire damage cover and also confirm what exceptions are applicable in the fire section of your car insurance policy.