Diwali 2025: Diwali is a festival of happiness and lights, but a small carelessness on this day can also lead to big trouble. Every year, incidents of vehicle burning are reported from many places, when a firecracker falls on someone’s car or a sparkler burning near a bike catches fire. In such a situation, the biggest question that arises is whether an insurance claim can be received on such loss or not? Let us find out.

When can I get insurance?

If your car or bike is covered under a comprehensive insurance policy, you have the right to claim damages caused by fire or explosion caused by firecrackers. This policy protects the vehicle against damage caused by fire, explosion, lightning, self-ignition and external causes. That means, if your car accidentally gets burnt due to the spark of a firecracker, then the insurance company can compensate for it.

When will I not get compensation?

However, if you have only third party insurance, you will not get any compensation. Third party policy only covers damage or injury caused to another person and does not cover damage to your vehicle.

How to claim?

To get a claim, it is important that after the incident, you immediately prepare photo and video proof and inform the insurance company immediately. If necessary, a copy of the FIR or fire brigade report may also have to be given. The insurance company will decide only after its investigation whether the loss was a natural accident or a result of negligence.

When will the claim be rejected?

If it is proved that the fire occurred due to your fault or negligence, such as you burst crackers near the vehicle, or caused the incident intentionally, then the claim can also be rejected. Similarly, if you parked your vehicle in an area where there was a no parking or hazard warning, the insurance company may still refuse to pay.

Also read: Diwali 2025: Diwali is celebrated separately in this city of UP, know why it happens like this?