Will insurance pay if my car catches fire?

Will insurance pay if your car catches fire depends on insurance coverage type, with comprehensive insurance typically covering fire damage. Car catching fire, which can be due to mechanical failure, electrical fault, or accident, is covered under comprehensive car insurance, which is optional coverage covering non collision damage including fire, theft, vandalism, and weather, offered by insurers like State Farm, Geico, AA Insurance, and others, with comprehensive coverage paying for repair or replacement of car if it catches fire due to mechanical or electrical failure, with payout up to market value or agreed value minus excess, with excess typically $400 to $800 in NZ. If car catches fire due to accident, collision coverage or comprehensive will cover, with third party fire and theft insurance in NZ and UK also covering fire damage, with third party fire and theft paying for fire damage to your car even if accident not your fault, while third party only does not cover fire damage to your car, only damage to others. If fire due to manufacturing defect within warranty, manufacturer may cover. So insurance will pay if your car catches fire if you have comprehensive insurance or third party fire and theft, with comprehensive covering fire from any cause including mechanical failure, with payout for repair or total loss minus excess, but third party only will not pay for your car fire damage, only third party fire and theft and comprehensive will.