A more comprehensive car insurance policy is likely to cover you for vandalism offences, whereas most standard policies would be less likely to do so. This is because these types of claims tend to fall under the ‘at-fault’ category, which means the insurer either considers you responsible for the incident, or simply cannot identify another party to recover the costs from.
As most vandalism cases often involve an unidentified perpetrator, insurance companies would be unable to recover costs from those committing the crime.
However, it’s worth noting that making a claim for vandalism is likely to affect your no-claims discount. So, it is advisable to check your insurance policy or quote to see if you have protection on your no-claims bonus for this type of situation.
Rachel Wait, consumer affairs spokesperson at MoneySuperMarket, said:
“Only one in four victims of vandalism decide to report their incident to their insurance company, possibly due to concerns about losing their no-claims discount. However, some insurance providers protect a driver’s no-claim bonus for cases of vandalism. Double check your policy as you may be protected without realising.
“A comprehensive car insurance policy is likely to cover you for these offences as opposed to a third-party policy. Be sure to shop around for the best deal online and look out for vandalism cover in your policy for peace of mind.”
Concerns about losing no-claims discounts may partly explain why only a quarter of all reported cases of vandalism have been claimed on the victim’s insurance. Making a claim also means you’ll have to pay an excess, and depending on high this is, this could be another reason why drivers are put off claiming.
Waseem Malik, Executive Managing Director of Claims at AXA said:
“Although vandalism happens relatively infrequently, it can be highly upsetting for car owners, not least disruptive to your day. Having a comprehensive insurance policy with the appropriate level of cover can be incredibly reassuring at times like these, especially if it includes benefits such as a courtesy car for while your car is being repaired.
“Sometimes, the quest for cheaper car insurance can often mean forgetting important cover features such as protection against vandalism, or customers choose excess levels so high it puts them off claiming for this type of damage. Although price is important, customers should never underestimate the value of comprehensive cover.”
While our research has found that cases of criminal damage to a vehicle are in fact highly unlikely, it is still something that drivers should be aware of and take steps to reduce the impact of, where possible. Steps could include parking vehicles in a garage or driveway, as well as taking out the right type of insurance to cover you.
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