Is your car damaged? Want to know what your car insurance will do? Check this out to know about car insurance in case of vandalism.
A car is always a loved asset for any person and owning one is like a dream come true. We try to protect it even from a minor scratch. Imagine on a fine day you get ready to go to an office. You go to your car and you notice the shattered window of your car. This scenario would be devastating as it can be hard to digest the fact that your car has been a victim to vandalism by unknown individual(s).
What is Vandalism?
Vandalism is an act of deliberate destruction or damage to private or public property. Vandalising a car would result in devaluation of the asset or even worse redeem it worthless. Activities like breaking windows, damaging vehicles, breaking into a vehicle, stealing items from them, drawing graffiti, etc. are acts of vandalism.
Nowadays, we come across many cases such destruction done to cars. So, it is always advisable to have an insurance cover to protect your car against these damages. Fixing car vandalism is a costly affair. So, it is always recommended to have the right insurance coverage for your car. Always buy your car insurance from a reputed insurance provider who covers for all the possible damages to your car. But, how do you know whether your car insurance provider will cover for such damages?
The answer is your policy document. The details of all coverage by the provider are stated. Thus, read through it with care before signing.
In India, all car insurance providers cover for the damages caused to the car. But, in such cases of vandalism, the coverage provided depends on the type of car insurance policy you own. Being aware of the inclusions and exclusions becomes a necessity.
There are 2 types of car insurances:
- Third-party Car Insurance – This takes care of the damages caused by you to the asset of another person.
- Comprehensive Car Insurance – This provides total coverage. It covers the damages caused to your car due to accidents, liability to a third party and damages caused due to natural calamities, vandalism, theft, etc.
Your car insurance provider will provide for damages caused to your car due to vandalism only if your insurance policy provides for it. It means when you are purchasing car insurance, you are purchasing various insurance covers under one policy to get cover for various damages. A few of these covers are optional. For example, a car insurance policy provides coverage for collision and liability. These are the two typical covers provided by the insurance provider while comprehensive coverage, personal injury protection are optional coverages. You must ask your insurance provider to add comprehensive coverage to your car insurance policy. It provides all-round protection to your car. It provides cover for various types of damages like protection against damages caused by:
- Natural calamity
- Damage to the third party
- Damage caused by animals
- Damage caused to your car due to falling objects like trees, etc.
- Damage caused due to riots
A comprehensive policy cover is one step ahead of the basic third-party car insurance policy. The latter provides protection only against the damages to the vehicle of the third party. Make sure you choose your car insurance with care.