Is it necessary to purchase car spontaneous combustion insurance?
2 Answers
For vehicles within the warranty period, spontaneous combustion insurance is generally unnecessary under normal usage conditions. For vehicles aged three to five years, the purchase can be considered based on the vehicle's condition, while it is recommended for vehicles older than five years. Below are considerations for purchasing auto insurance: 1. Purchase channels: Pay attention to selecting legitimate insurance companies and agents with professional qualifications, practice certificates, and formal agency contracts with insurance companies. 2. Personal needs: Choose insurance products based on your actual needs and fully understand the terms and conditions of motor vehicle insurance. 3. Important documentation: Properly use and keep important insurance documents, fulfill the obligation of truthful disclosure, pay insurance premiums on time, and agree on dispute resolution methods with the insurance company.
I've been driving for over 20 years and consider myself a veteran. Whether auto spontaneous combustion insurance is worth buying depends on your vehicle's condition. New cars are covered by manufacturer warranties in the first few years, so there's usually no rush; but for older cars, especially those over 10 years old, the risks of wiring aging and oil pipe leaks are higher, making them prone to spontaneous combustion when parked in high summer temperatures. I once witnessed a neighbor's car burn to ashes parked by the roadside, with repair costs exceeding tens of thousands. The insurance costs just a few hundred a year and can cover expenses if something happens—a small price to prevent big trouble. If you live in a hot southern city or often park in enclosed garages, it's even more important to consider. Don't just save money; risk management is key. Regular checks of the electrical system and engine are also essential to prevent problems before they occur.
