Car scratched or damaged: vandalism and comprehensive insurance

Deliberate damage (vandalism) to a car is annoying, and usually only covered by fully comprehensive insurance. Partial comprehensive cover generally does not cover vandalism. What matters is quickly filing a police complaint and good documentation to enforce the payment.

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Your chances of getting your money back

Vandalism damage (deliberate scratching, kicking, breaking off) is generally insured under fully comprehensive cover, not partial comprehensive cover. Check your contract and the deductible.

With a criminal complaint and good documentation, the chances of settlement are good. But keep in mind the deductible and a possible downgrade in the no-claims discount.

What you should do now

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1. File a complaint
File a criminal complaint with the police promptly, this is usually a requirement for comprehensive cover and documents the intent.
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2. Document the damage
Photograph the damage and the location and secure possible witnesses or camera footage.
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3. Report to the insurer
Report the loss to the fully comprehensive insurer and submit the complaint and photos.
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4. Check the economics
Weigh the deductible and downgrade against the amount of damage before you report the loss.

How to spot the scam

You assume that partial comprehensive cover covers vandalism.
You report the loss without a prior criminal complaint.
The amount of damage is barely above your deductible.

Frequently asked questions

Does partial comprehensive cover pay for vandalism?

Generally no. Deliberate damage is usually only covered by fully comprehensive cover. Partial comprehensive cover normally does not apply to vandalism. Check your specific insurance terms.

Why is the criminal complaint important?

It is usually a requirement for comprehensive cover settlement and documents that it is deliberate damage by another person. File it promptly and submit it with the photos to the insurer.

Is reporting always worthwhile?

Not necessarily. Keep in mind the deductible and the possible downgrade in the no-claims discount. If the damage is only just above the deductible, it can be cheaper to bear it yourself.

Take action now

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.