Even if he had had it insured, if it was a wiring fault in his ecu or something he had done himself to the vehicle that caused the fire, chances are that the insurance company wouldn't pay out.
A mate did a dodgy head unit install in his car back in our school days, it shorted out and caused a fire under the dash & fried most of his interior.
After the insurance company discovered it was due to a wiring fault in the headunit wires they refused to pay out.
Can't remember quite who he was insured with