Your Complete Guide to Protecting Your Vehicle Against Fire

Your Complete Guide to Protecting Your Vehicle Against Fire

Welcome to the topic Your Complete Guide to Protecting Your Vehicle Against Fire

Greetings from Perla Insurance! As we navigate through another scorching season, it’s crucial to ensure the safety of your vehicles amidst the rising temperatures. While you shield yourself and your loved ones from the scorching heat, don’t forget to extend that protection to your valuable properties, such as your car. At Perla Insurance, we understand the importance of safeguarding not just lives but also assets. In this month’s blog, we dive into the comprehensive steps you can take to protect your vehicle against fire hazards. Let’s embark on this journey together, prioritizing safety and security every step of the way. Join us as we equip you with the knowledge and resources to fortify your vehicle against fire risks and ensure a safer and more secure driving experience in the Philippine heat.

With the Philippines experiencing increasingly intense heatwaves, our vehicles bear the brunt of these harsh conditions, increasing the risks of fire damage. From engine overheating to spontaneous combustion, the threats are heightened during this season. Let’s explore how you can safeguard your valuable asset against such threats while prioritizing safety and security. Remember, protecting your vehicle from fire hazards is just as essential as shielding yourself and your loved ones from the scorching heat. At Perla Insurance, we’re here to guide you through this journey, ensuring a safer and more secure driving experience amidst the Philippine heat.

Your Complete Guide to Protecting Your Vehicle Against Fire

The relentless heat in the Philippines takes a toll on vehicles, subjecting them to a myriad of detrimental effects that significantly increase the risk of fire damage during this season.

Accelerated wear and tear on engine components:

The scorching temperatures accelerate the wear and tear on various engine components, including pistons, cylinders, and bearings. As these parts are continuously exposed to extreme heat, their lubrication properties diminish, leading to increased friction and wear. Over time, this can result in compromised engine performance and potential ignition sources due to the heightened friction.

Increased risk of overheating and radiator damage:

The intense heat waves prevalent in the Philippines pose a considerable risk of engine overheating, especially during prolonged periods of operation or heavy traffic congestion. As the engine temperature rises beyond optimal levels, the cooling system, including the radiator, may struggle to dissipate heat efficiently. This inefficiency can lead to coolant leaks, coolant system failures, and ultimately, engine overheating, increasing the likelihood of a fire.

Degradation of rubber seals and hoses, leading to leaks:

The prolonged exposure to high temperatures causes rubber seals and hoses within the engine compartment to deteriorate rapidly. Over time, these essential components lose their flexibility and integrity, making them prone to cracking, splitting, or outright failure. As a result, coolant, oil, or fuel leaks may occur, creating potential ignition sources within the engine bay or underneath the vehicle, further exacerbating the risk of fire.

Expansion of fuel vapor, potentially causing fuel system malfunctions:

The extreme heat causes the expansion of fuel vapor within the fuel system, increasing pressure and the likelihood of leaks or malfunctions. Cracked or degraded fuel lines, fuel injectors, or fuel tanks may release vapor or liquid fuel, creating a highly flammable environment within the engine compartment or surrounding areas. In the presence of ignition sources, such as hot engine components or electrical malfunctions, these fuel vapors can ignite, leading to a catastrophic fire engulfing the vehicle.

The relentless heat wave in the Philippines not only accelerates wear and tear on vital engine components but also increases the risk of engine overheating, radiator damage, rubber seal degradation, and fuel system malfunctions, all of which can culminate in a devastating vehicle fire. It’s imperative for vehicle owners to remain vigilant and implement proactive measures to mitigate these risks, safeguarding both their vehicles and personal safety during this challenging season.

The DO’s

To mitigate the risks associated with fire hazards, here are essential preventive measures you should implement:

1. Regularly check and maintain proper coolant levels:

Adequate coolant levels are essential for regulating engine temperature and preventing overheating, which can lead to fire hazards. Check coolant levels regularly and top up as needed to ensure optimal engine performance and cooling efficiency. Additionally, inspect for any signs of coolant leaks, such as puddles underneath the vehicle, and address them promptly to prevent potential ignition sources.

2. Park your vehicle in shaded areas whenever possible:

Parking your vehicle in shaded areas helps minimize prolonged exposure to direct sunlight, reducing the risk of heat-related issues such as engine overheating or rubber degradation. Shaded parking spots also help preserve the integrity of paint and interior materials, minimizing the likelihood of flammable materials igniting due to prolonged heat exposure.

3. Keep flammable materials out of the car, especially in hot conditions:

Flammable materials such as aerosol cans, lighters, or chemicals should be kept out of the vehicle to mitigate the risk of fire accidents. High temperatures inside the car can accelerate the volatility of these materials, increasing the likelihood of ignition. Store such items in a cool, well-ventilated area outside the vehicle to minimize fire hazards.

4. Install a fire extinguisher and know how to use it effectively:

A properly installed and accessible fire extinguisher is a crucial safety device that can help suppress small fires before they escalate. Ensure that the fire extinguisher is mounted securely in the vehicle and that all passengers know its location and how to operate it in case of an emergency. Regularly inspect the fire extinguisher and recharge or replace it as needed to maintain its effectiveness.

5. Inspect electrical wirings for signs of wear and tear:

Electrical malfunctions are a common cause of vehicle fires, often resulting from worn-out or damaged wiring. Regularly inspect the electrical system, including wires, connectors, and fuses, for signs of wear, corrosion, or fraying. Address any issues promptly by repairing or replacing damaged components to prevent electrical faults that could lead to fire hazards.

6. Ensure proper ventilation in enclosed parking spaces:

When parking in enclosed or underground parking spaces, ensure adequate ventilation to prevent the buildup of heat and fumes that can increase the risk of fire. Keep windows cracked open or use a ventilation fan to promote airflow and dissipate heat effectively. Avoid parking near obstructions that may impede ventilation, such as walls or pillars.

7. Follow manufacturer’s recommendations for oil change intervals:

Regular oil changes are essential for maintaining engine lubrication and preventing friction-related heat buildup that can lead to fire hazards. Adhere to the manufacturer’s recommended oil change intervals and use the correct type and grade of oil for your vehicle. Neglecting oil changes can result in engine damage and increased susceptibility to fire accidents.

8. Invest in heat-resistant car covers to shield your vehicle:

Heat-resistant car covers provide an additional layer of protection against direct sunlight and heat exposure, reducing the risk of heat-related issues such as overheating or interior damage. Choose a high-quality, UV-resistant car cover designed to withstand the intense heat of the Philippine climate. Use the car cover whenever the vehicle is parked for an extended period, especially during peak sunlight hours.

9. Keep a close eye on dashboard warning lights and temperature gauges:

Dashboard warning lights and temperature gauges provide vital indicators of potential issues that could lead to fire hazards, such as engine overheating or electrical malfunctions. Pay attention to any warning lights or abnormal temperature readings and address them promptly by pulling over safely and inspecting the vehicle. Ignoring warning signs can exacerbate underlying problems and increase the risk of fire accidents.

10. Schedule routine inspections with a certified mechanic:

Regular maintenance inspections by a certified mechanic are essential for identifying and addressing potential fire hazards before they escalate. Schedule routine maintenance appointments to have your vehicle thoroughly inspected for any signs of wear, damage, or malfunction. A qualified mechanic can identify and address issues such as worn-out components, fluid leaks, or electrical faults that could contribute to fire risks, ensuring your vehicle remains safe and reliable on the road.

The DONT’s

Avoid these common pitfalls that can increase the risk of fire accidents:

1. Leaving your vehicle idling for extended periods:

Prolonged idling can lead to the buildup of heat within the engine compartment, increasing the risk of overheating and potential ignition sources. Additionally, continuous idling without proper airflow can strain the engine components, potentially causing malfunctions or leaks that may result in a fire hazard. To mitigate this risk, it’s advisable to turn off the engine when stationary for extended periods and ensure proper cooling system maintenance.

2. Overloading your car beyond its weight capacity:

Exceeding the recommended weight limit puts excessive strain on the vehicle’s suspension, brakes, and tires, increasing the likelihood of mechanical failures or malfunctions that can lead to fire hazards. Additionally, overloading may cause uneven weight distribution, affecting the vehicle’s stability and handling, especially during braking or cornering maneuvers. To avoid these risks, always adhere to the manufacturer’s specified weight limits and distribute cargo evenly within the vehicle.

3. Ignoring unusual smells or smoke coming from the engine bay:

Unusual smells or smoke emanating from the engine bay may indicate potential mechanical issues, such as oil or coolant leaks, electrical malfunctions, or overheating components. Ignoring these warning signs can lead to catastrophic engine failures or fires if left unaddressed. It’s crucial to promptly investigate and address any unusual smells or smoke, seeking professional assistance if necessary, to prevent potential fire accidents and ensure the safe operation of your vehicle.

4. Parking over dry grass or foliage:

Parking your vehicle over dry grass or foliage presents a significant fire hazard, as hot exhaust components or catalytic converters can ignite flammable vegetation, leading to rapid spread of fire. Moreover, the heat generated from the vehicle’s undercarriage can dry out surrounding vegetation, further increasing the risk of ignition. To minimize this risk, always park in designated parking areas away from dry vegetation, especially during hot and dry weather conditions.

5. Using aftermarket electrical accessories without proper installation:

Improper installation of aftermarket electrical accessories, such as stereo systems, lighting upgrades, or dashboard cameras, can result in electrical shorts, overloads, or wiring faults that may lead to fire hazards. Poorly secured wiring or connections can chafe against metal components, causing sparks or electrical arcs that can ignite flammable materials within the vehicle. To ensure safety, always have aftermarket electrical accessories professionally installed by qualified technicians, following manufacturer recommendations and industry standards.

6. Neglecting to replace worn-out brake pads or tires:

Worn-out brake pads or tires can compromise vehicle safety and increase the risk of fire accidents due to reduced braking performance, increased stopping distances, and potential tire blowouts. As brake pads wear down, the friction generated during braking can produce excessive heat, leading to brake fade or even brake system fires if brake fluid ignites. Similarly, worn-out tires are more susceptible to punctures, overheating, and blowouts, especially at high speeds, posing a significant safety risk. Regular inspection and timely replacement of worn brake pads and tires are essential to ensure optimal vehicle performance and reduce the risk of fire accidents.

7. Storing flammable materials such as aerosol cans or gas containers inside the vehicle:

Storing flammable materials like aerosol cans, gasoline containers, or other combustible substances inside the vehicle poses a severe fire hazard, as these items can ignite or explode under certain conditions. The confined space of the vehicle’s interior can exacerbate the risk, especially in the event of a collision or exposure to high temperatures. To mitigate this risk, store flammable materials in a well-ventilated area outside the vehicle, preferably in a designated storage container or compartment designed for such materials.

8. Parking near sources of heat or open flames:

Parking your vehicle near sources of heat or open flames, such as bonfires, grills, or exhaust vents, increases the risk of fire accidents due to the proximity of ignition sources to flammable materials within the vehicle. Heat radiating from nearby sources can ignite combustible materials like upholstery, fuel vapors, or interior components, leading to rapid fire spread and potential vehicle damage. To minimize this risk, always park your vehicle at a safe distance from heat sources and open flames, especially in congested or crowded areas where fire hazards may be prevalent.

9. Continuing to drive if your vehicle shows signs of overheating:

Driving a vehicle that shows signs of overheating, such as steam from the radiator, dashboard warning lights, or elevated engine temperatures, can result in catastrophic engine damage or fire accidents if left unattended. Overheating can lead to coolant leaks, engine coolant boiling over, or even engine block cracks, increasing the risk of coolant ignition and subsequent fires. If your vehicle exhibits signs of overheating, it’s essential to pull over to a safe location, turn off the engine, and allow it to cool down before continuing your journey or seeking professional assistance.

10. Disregarding recalls or service bulletins related to fire risks:

Disregarding recalls or service bulletins related to fire risks issued by vehicle manufacturers can leave your vehicle vulnerable to potential safety hazards or fire accidents. These recalls typically address known issues or defects that pose a significant risk of fire, such as faulty electrical components, fuel system leaks, or engine compartment insulation problems. Ignoring or delaying the implementation of recommended repairs or modifications can increase the likelihood of fire accidents and compromise vehicle safety. To ensure the safety of your vehicle and occupants, it’s crucial to stay informed about recalls and service bulletins issued by the manufacturer and promptly address any identified safety concerns through authorized dealership service centers.

What to Do in Case Your Car Catches Fire?

In the unfortunate event of a vehicle fire, swift and composed actions are paramount to ensuring safety:

Pull over to a safe location away from traffic and pedestrians:

Immediately steer your vehicle to the side of the road, away from any potential hazards, such as traffic or bystanders. This prevents the fire from endangering others and allows for a safer environment to handle the situation.

Turn off the engine and exit the vehicle immediately:

Cut off the ignition to eliminate potential fuel sources and evacuate the vehicle promptly. Exiting swiftly minimizes exposure to smoke and flames, reducing the risk of injury or inhalation of toxic fumes.

Contact emergency services and provide your location: Dial the local emergency hotline and relay your precise location, including nearby landmarks or intersections. This ensures prompt assistance from firefighters and emergency responders, expediting the resolution of the incident.

Attempt to extinguish the fire with a fire extinguisher if safe to do so:

If equipped with a functioning fire extinguisher and it is safe to approach the vehicle, aim the extinguisher at the base of the flames and discharge its contents using a sweeping motion. Be cautious and maintain a safe distance, prioritizing personal safety above all else.

Keep a safe distance and avoid inhaling smoke:

Maintain a safe distance from the vehicle to prevent exposure to intense heat and toxic smoke. Position yourself upwind from the fire to avoid inhaling harmful fumes, covering your nose and mouth with a cloth if necessary.

Wait for professional assistance to arrive and assess the situation:

Once you have taken all possible safety measures, remain at a safe distance and await the arrival of trained firefighters and emergency responders. They will assess the situation, extinguish the fire, and provide any necessary medical assistance.

By following these steps with composure and decisiveness, you can effectively mitigate the risks associated with a vehicle fire and ensure the safety of yourself and others involved in the incident.

Secure Comprehensive Vehicle Insurance with Perla Insurance

Ensure peace of mind by investing in comprehensive vehicle insurance from Perla Insurance. Our policies are tailored to protect your vehicle against fire damage, providing financial security and support when you need it most. With Perla Insurance, you benefit from:


Trustworthy insurance solutions backed by 60 years of industry experience.

Service Excellence:

Dedicated customer service and expedited claims processing.

Financial Stability:

Rest assured knowing your investment is safeguarded by one of the best insurance providers in the Philippines.


Protecting your vehicle against fire hazards necessitates a proactive approach and a keen eye for potential risks. By integrating preventive measures into your routine maintenance, remaining vigilant for early warning signs, and fortifying your defenses with comprehensive insurance coverage from Perla Insurance, you not only safeguard your valuable asset but also ensure uninterrupted peace of mind throughout your journeys. Remember, proactive measures such as regular inspections and adherence to safety protocols are key to mitigating fire risks and maintaining the integrity of your vehicle. With Perla Insurance by your side, you can navigate the roads with confidence, knowing that your investment is shielded by decades of industry expertise and a commitment to service excellence. Let’s embark on this journey together, prioritizing safety and security every mile of the way.

At Perla Insurance, we prioritize your safety and security on the road. With our decades-long commitment to integrity, service excellence, and financial stability, we stand as your trusted partner in insurance protection. Join us in ensuring your peace of mind by following our social media pages on Facebook, Instagram, Youtube, and TikTok.


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Have any questions regarding vehicle fire safety? Feel free to comment below, and let’s keep the conversation going. Drive safe, stay protected!

Also Read: The Hidden Dangers of Summer Driving for Your Car this Extremely Hot Season

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