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Fire Protection in Car Insurance Amid Rising Heat

Introduction Of Protection

As the sweltering summer months descend upon the UAE, motorists are being strongly advised to incorporate fire protection in their car insurance policies. With soaring temperatures, the risk of vehicle fires escalates, necessitating a more comprehensive approach to vehicle insurance.

Protection

Importance of Comprehensive Car Insurance

While it is mandatory for all car owners in the UAE to insure their vehicles, many opt for the basic third-party liability (TPL) coverage. This type of insurance, though affordable, only covers damages to the third party’s vehicle and medical expenses in case of injuries.

On the other hand, a comprehensive car insurance policy offers extensive coverage, including theft, total loss, fire, natural disasters, and vandalism. Additionally, it provides options for add-on services like engine cover and accessories cover. Neeraj Gupta, CEO of Policybazaar.ae, emphasizes the importance of comprehensive insurance, stating, “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.” According to Gupta, the upgrade from TPL to comprehensive insurance typically costs an additional Dh700 to Dh800 for a sedan or SUV.

Increased Risk of Vehicle Fires

The risk of vehicle fires intensifies during the UAE’s summer months. Earlier this week, Dubai Police issued a warning on social media platform X, alerting motorists to the heightened risk of vehicle fires. Factors such as high temperatures can cause everyday items like perfumes and mobile phone chargers to ignite, leading to potentially catastrophic fires.

Ensuring Safety and Peace of Mind

As temperatures continue to rise, it becomes crucial for motorists to reconsider their insurance options. The inclusion of fire protection in car insurance not only safeguards the vehicle but also provides peace of mind to the car owner. Comprehensive insurance ensures that in the event of an accident or fire, both the insured and the third party are fully protected.

In conclusion, while the cost of upgrading to a comprehensive insurance policy might seem significant, the benefits far outweigh the expenses. In the face of increasing temperatures and the associated risks, UAE motorists are urged to take proactive steps to protect their vehicles and ensure their safety on the road.

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