Fire Insurance Scenario 1
Your vehicle goes off the road or your hot exhaust causes a fire in the forest. In this particular instance your motor vehicle policy will pay for the costs associated with putting out the forest fire, up to the maximum limit of indemnity under the motor vehicle liability section.
Fire Insurance Scenario 2
You are in a wilderness area or the bush on your own, totally unaware of a fire which is being extinguished by the Forestry Department or Fire Service. This fire is within a five mile radius of your location and you - along with other people who are in the area - have been noted by the Forestry Department as being in this region at the time.
Under the Rural Fire Services Act, simply because you were within the region of the fire even though it was not caused by you, then you, along with all the other people in the area at the time, will get charged with the cost of extinguishing that fire. If there are 10 people in the area, the cost is split 10 ways. If you are the only one in the area - the cost is all yours. This is not covered by your motor vehicle policy or by any other policy available in the market.
Back to 4WD Article Index