joeblogs: Yep, go for vandalism on the onlone comparison sites but liek Vic says, best to ring through to buy the policy and check with them.
Vic, the advice you give often says to check with the insurer which is sound advice but I just thought, what if you bought from Swiftcover? You can't check with them as they are online only, so can they ever refuse to pay out in a case like Cuns mentions where they might not agree that its a vandalism claim?
Hi Joe,
Very good question there! Don't get me started on this company lol! There should always be a contact number offered irrespective of whether the policy must be incepted online only. Unfortunately this company fail to meet any form of average or high expectation, especially when it comes to efficient customer service and making a claim.
In the case of Cuns, most insurers would classify this as Vandalism/Malicious damage, and certainly not Windscreen as it relates to the passenger window which was deliberately put through or with at least some dishonesty as no details were left. If the customer put 'Windscreen', Swift could challenge this and probably would after checking the CUE for any mismatches.
Interestingly enough, the load for Vandalism/Malicious is identical for the majority of insurers but some companies choose not to quote at all for Malicious damage claims. This area needs some clarification from the likes of Swiftcover and other online only insurers.
Finally, whilst we're on the topic, it's also worth noting that if you claim for windscreen damage with Swiftcover the No Claims Bonus is frozen and the customer will no longer be eligible for any increase in the NCD at the policy renewal date!