Three Insurance Policies to Safeguard Against Diwali Fireworks Mishaps

NDTV highlighted growing concerns over firecracker-related accidents each year as Diwali approaches, urging citizens to consider financial protection before lighting fireworks. The broadcaster noted that injuries and property damage often result in high out‑of‑pocket costs, which can be mitigated through appropriate insurance cover.
The first recommended policy is a personal accident plan that pays for medical treatment, hospitalization and disability benefits if a user or a family member is hurt by a malfunctioning firework.
The second option is a third‑party liability cover, designed to compensate neighbours or by‑standers for injuries or damages caused by stray sparks or explosions, including legal expenses if a claim is filed.
The third suggestion is a fire‑damage or property insurance that includes coverage for loss of household goods, structural repairs and replacement costs when a firework ignites a fire in the home or surrounding area.
NDTV advises consumers to review policy exclusions, claim procedures and premium costs, and to purchase the coverage well before the festival begins to ensure seamless activation.