Is it necessary to purchase car spontaneous combustion insurance?
2 Answers
Vehicles within the warranty period do not need to purchase spontaneous combustion insurance, as the manufacturer can be contacted for warranty coverage in case of spontaneous combustion under normal use during this period. For vehicles aged three to five years, the purchase of spontaneous combustion insurance can be considered based on usage conditions. For vehicles older than five years, due to aging circuits and fuel lines, it is recommended to purchase spontaneous combustion insurance. Below is relevant information: Spontaneous combustion insurance is an additional coverage under the motor vehicle loss insurance. During the insurance period, if the vehicle suffers loss due to fire caused by issues with the vehicle's circuits, wiring, fuel lines, fuel supply system, cargo itself, or friction during operation, and if the insured incurs necessary and reasonable rescue expenses to reduce the loss of the insured vehicle during such an incident, the insurance company will provide corresponding compensation. The premium for spontaneous combustion insurance is related to the vehicle's price and age—the higher the vehicle price and the older the vehicle, the higher the premium.
As an average car owner, I believe spontaneous combustion insurance is indeed worth considering, especially for vehicles over five years old. As cars age, electrical circuits are prone to issues, and in case of a short circuit or overheating leading to a fire, repair costs can easily exceed tens of thousands, not to mention the risks to personal safety. For example, my neighbor's old car spontaneously combusted during last summer's heatwave, and fortunately, the insurance covered the losses, saving them from a huge financial burden. Routine maintenance like regular circuit checks and avoiding reckless electrical modifications is crucial, but accidents are unpredictable. Buying insurance is like buying peace of mind, especially in congested cities with frequent high temperatures, where potential hazards are greater. The premium isn't expensive—just a few hundred yuan per year as an optional add-on to commercial insurance—making it a cost-effective choice compared to the overall expense of vehicle damage. In short, unless the car is brand new or used only for very short trips, I think getting spontaneous combustion insurance is a wise investment. Safety always comes first.
