Fire damage to your own vehicle is normally covered under comprehensive policies and is not covered by third party liability. The insurer will require official documentation of the incident, typically from the police or civil defence.
In more detail
Fire arising from a mechanical or electrical fault is treated differently by different insurers; some cover it, others exclude fault-related fire and treat it as a mechanical breakdown matter.
Where fire follows an accident that is already covered, the damage is generally handled as part of that claim.
Conditions and exceptions
- Deliberate acts and fire resulting from unauthorised modification are excluded across the market.
- Confirm whether self-ignition or electrical fault is covered on the specific policy you are buying.
Related pages
Important: The information on this page is general guidance about motor insurance in the UAE and is not a policy document or a guarantee of cover. Cover, benefits, exclusions, excess amounts and pricing differ between insurers and depend on your vehicle, driver profile and the policy wording issued to you. Always read the policy schedule and terms issued by the insurer before purchasing.