What is spontaneous combustion risk?

spontaneous combustion risk

spontaneous combustion risk

during travel of the vehicle, because the vehicle electrical equipment, wiring, fuel system failure and the reasons for the carriage of cargo fire autoignition combustion, resulting in loss of vehicle and the rescue reasonable expenses paid.
Additional i.e., spontaneous loss of insurance of the vehicle, the insurance period, the insurance of the vehicle in use, because the vehicle circuits, lines, oil, fuel supply system, the cargo itself a problem, the operation of the motor vehicle friction ignition fire, resulting in loss of insured vehicles, as well as the insured when the insurance accident, the necessary and reasonable in order to reduce the cost of rescue vehicles insured losses incurred, the insurer liable.

spontaneous loss Clauses
The first scope of coverage
This is an additional safety insurance loss of vehicle insurance, insurance loss insured vehicle before the vehicle present additional risks insured .
The second insurance
In the insurance period, the insurance of the vehicle in use, because the vehicle circuits, lines, oil, fuel supply system, the cargo itself a problem, the operation of the motor vehicle friction ignition fire, loss of insured vehicles, as well as the insured when the insurance accident, in order to reduce losses incurred by the insured vehicle rescue necessary and reasonable expenses, the insurer liable.
Article Exclusions
the following losses, the insurer is not liable for:
(a) the use of vehicles insured in the process, because the artificial direct supply, high-temperature baking and other illegal vehicle safety operating rules losses;
(b) losses due to spontaneous combustion appliances, wiring, oil, fuel supply systems, gas supply systems only; loss
(c) the carriage of goods;
(iv) the insured intentional act or offense caused by the loss of insured vehicles.
Article sum insured
amount insured under this insurance negotiated by the insured and the insurer in the actual value of the insured vehicle.
Processing compensation Article
(a) inIn the amount stated in the insurance policy, according to the actual loss of the insured vehicle to calculate compensation.
(b) This insurance compensation are implemented every 20 percent absolute franchise.

1, spontaneous combustion risk is necessary to buy it?

You know about spontaneous combustion risk? There is no give on their car spontaneous combustion risk it, the summer heat will increase the risk of spontaneous combustion vehicles, spontaneous combustion risk if the owner is not insured, you can not obtain the corresponding payment. According to an automotive Web site statistics show that in the age of the vehicle more than five years, due to the aging combined with hot summers and will greatly increase the risk of spontaneous combustion vehicles, visible to the elderly old car, a spontaneous combustion risk insurance is particularly important. Spontaneous loss of insurance an individual responsible for compensation for the vehicle electronics, wiring, fuel system failure cause of the fire itself and the carriage of goods caused by the loss of the vehicle itself. This insurance is an additional risk of loss of vehicle insurance, the insured loss of vehicle insurance vehicle insurance before this insurance.

Currently on the market in terms of caustic danger, exclude spontaneous combustion risk liability, owners need to buy a separate spontaneous combustion risk when buying car insurance, of course, can also be added to protect the middle. Especially the age of the vehicle is within 5 – 10 years motor vehicles, it is recommended careful consideration when the insured, plus the best guarantee of a spontaneous combustion risk. Spontaneous combustion risk applicable to the family car for personal use, business trucks, city buses, road passenger transport, taxis, rental cars, vehicles, and only the insured before the insured motor vehicle on fire the basis of this additional risks of loss of insurance on their own reasons. The understanding of the vehicles in the process due to a failure caused by spontaneous combustion appliances, wiring, fuel system and other insurance payments occurred undertake insurance. However, due to items inside the car explode or cause unauthorized modification of electrical equipment and vehicles on fire, it is not paid within the scope of the spontaneous combustion risk, because these actions will artificially increase the risk of spontaneous combustion, in this particular prompt the owners do not modify the electrical equipment.

2, deductible clause

with a spontaneous combustion risk exemption clause, including the use of the insured vehicle during the insured, becauseArtificial direct supply, fire baking loss of vehicle in violation of rules of operation of the vehicle security caused; only due to spontaneous combustion caused by the loss of electrical appliances, wiring, fuel supply system; loss carry cargo itself; the insured’s intentional act or offense caused Insurance loss of the vehicle.

Leave a Reply

Your email address will not be published. Required fields are marked *