How does Comprehensive Insurance Handle Vandalism?

Posted on: Feb 27, 2025 | 3 mins | Written by: HDFC ERGO Team

How does Comprehensive Insurance Handle Vandalism?

Car with broken window caused by vandalism covered under comprehensive insurance

Vandalism is not an uncommon phenomenon today. Because of burglary and many other factors, it is advisable to get comprehensive car insurance. Therefore, you will have to consider car insurance vandalism. Offering an additional layer of protection, comprehensive insurance can be essential in the long run.

You should get car vandalism insurance. This type of insurance will act like a protective layer and ensure you will get the money return. Furthermore, you must understand the importance of choosing a car insurance policy that safeguards your vehicle against all aspects and in all terms.

Does Car Insurance Cover Vandalism?

Considering the difficulty and harm in society, you will want to know does car insurance cover vandalism. Therefore, the good thing is that insurance protects your vehicle against vandalism. Comprehensive car insurance is one of the most prominent choices among drivers for covering vandalism.

What to Submit While Filing for Car Vandalism Insurance?

When filing for car insurance vandalism, it is important that you connect with the insurance company. You need to provide all the information and whether you can get the insurance. The customer care or insurance expert will often provide complete information about how to work with car vandalism insurance.

The good thing is that you can raise the claim digitally as well. You may visit their website or app to make a claim. However, to file the claim, you will have to provide all the information. You will have to submit the following details:

1. Car registration number

2. Pictures and videos of the damaged car

3. Insurance policy number of car

4. Copy of the FIR

The insurer will request some extra information while looking into the claims. It is advisable that you keep the documents ready. You must file an FIR immediately so that you don't face any problems. The insurer may sometimes request for the FIR copy that you will have to submit. Submitting accurate documents on time will play an important role in receiving faster approvals.

What Type of Vandalism is Covered by Comprehensive Insurance?

Before applying for the insurance, you will want to understand what part of car insurance covers vandalism. This is to ensure that all the prominent aspects are covered within the insurance, so in case of any unwanted choice, you can file for the claim.

Now that vandalism is all about intentionally damaging or defacing the car, you need to understand which parts can be covered. Some of the common parts of your vehicle which will be covered under vandalism are as follows:

1. Slashed and damaged tyres.

2. Spray-painted damage.

3. Dents or scratches that happen when someone is constantly keying the car.

4. Broken tail lights, headlights and Windows

5. Putting any damaging substance in your gas tank.

The amount covered under vandalism will vary significantly. It is important that you connect with the insurer and discuss how much they will cover. The cost of vandalism repair will be significantly higher than the car insurance deductible. Therefore, in case of any vandalism, you will have to file a comprehensive claim for any damage due to vandalism.

What to Do if a Car is Vandalised?

If your car has been vandalised, you will have to adopt ways through which you can fix it. However, understand is vandalism covered by car insurance that you applied for. Here are some of the steps that you will have to adopt in case the car is vandalised:

1. Record the damage

Once the car has been vandalised, you will have to record all the damages. After that, you must also check if any contents of the car were damaged or stolen.

2. File the police report

You will have to file the police report for the incident. This is because the insurer will request an FIR copy as well. Promptly filing the FIR copy can play an important role in ensuring that you choose the insurance claims accordingly.

3. Take Photos

You need to gather as many proofs as possible. Therefore, it is advisable that you take the photos. Apart from depending on the policy document of damage, you also need to take photos. You will have to take photos of everything in your car that was damaged or stolen.

4. Contact the Insurance Company

You will have to connect with experts for car insurance vandalism. The insurer may have handled such situations earlier. Therefore, they will be able to handle the situation properly, ensuring that you're protected against any damage. Moreover, they can also help you understand the claim process.

How to Claim Vandalism Car Insurance?

You will need to understand the process of how to claim vandalism car insurance. This will play an important role in ensuring that you're doing it accurately and not facing any challenges.

The process for claiming vandalism car insurance is as well:

1. File the Claim

If the vandalism has occurred, you must file an FIR before you submit the insurance claim. For this, you will have to accumulate all the documents and information so that you can move ahead with the claim.

2. Deductibles

Comprehensive car insurance comes with deductibles. Therefore, the deductible amount will vary significantly depending on the policy. It will be enough to warrant the claim.

3. Claim Evaluation

After filing the claim, the insurer will look into the damage and determine whether you need repairs. The insurer will provide a settlement based on your car's value. However, they will also look into the extent of damage to determine how much of the claim can be settled.

4. Repair or Replacement

Depending on the extent of vandalism, the experts would analyse if your car needs repair or replacement. This will completely depend on the current value of the car and if the repairs are to be paid. However, if there has been a complete loss, the insurer's compensation will depend on the actual value of the vehicle.

5. Claims Settlement

After analysing all the documents, the insurer will provide information on the settlement of the claims. Once there has been an agreement about claims settlement, the funds for covering the repairs or replacing the vehicles will be provided depending on the claims.

Final Thoughts

While applying for any car insurance, you must understand the terms and conditions. Connecting with an expert or agent from the insurer can help you understand the procedure of filing for car vandalism insurance and how it can help you. It is important that you choose an insurer that has flexible rules and policies so that you don't face any struggles while filing for the claim. This will prove to be useful in the long run.

FAQs

1. Will comprehensive insurance cover vandalism?

Yes, comprehensive insurance will cover vandalism. It provides complete coverage and will also cover the damage caused due to other people's cars and property.

2. Will comprehensive insurance cover own damage?

Yes, the comprehensive insurance will be covering its own damage, especially for third-party liabilities and own damages within the single policy. However, it will be affected by the depreciating rates, which will only affect the own damage cover insurance.

3. How can I protect my car against vandalism?

You should get comprehensive car insurance so that you can protect your car against vandalism. However, make sure to take some preventive measures as well so that you can protect the vehicles.

4. What is excluded from comprehensive insurance?

Some of the aspects excluded in comprehensive car insurance are electrical and mechanical failure, damage due to drunk driving, damage because of commercial use or wear and tear.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

Maximising Protection: Key Add-Ons for Car Insurance in Mumbai

Add-On Covers For Your Car Insurance Policy

All you want to know about third-party car insurance