Insurance 101: Malicious damage, what you should know?


“Loss or damage directly caused by any malicious act of any person whether or not such act is committed in the course of a disturbance of peace”

There have been a number of instances whereby a person’s vehicle has been intentionally damaged. Many policyholders are uncertain whether their broken windows happened by accident while their vehicles were stationed or whether it was intentionally done out of malice.

If you feel your vehicle has been damaged intentionally, do not fret. Malicious damage is included as a cover under your full private motor comprehensive policy. You can simply lodge a claim with us and the damage will be covered.

But wait! Here is what you need to know:

  • All motor insurance policies have an excess. Your claim will be dependent on the amount of excess stipulated in your policy.
  • Exceptions – all policies have exceptions and you need to read them carefully. You need to ensure that the incidents which lead to your car’s damage are not included under exceptions.
  • Involve the police – you will need a police report to substantiate your claim. A police will also be in a better position to judge whether it was an act of burglary or malicious damage. No worries, because burglary is also included under your policy.
  • Your No Claim Bonus is affected when you successfully lodge a claim.

This is what you need to do:

  • Park your car in a safe location such as a locked garage, behind closed fences, infront of your house or apartment etc.
  • Install a dash-cam so that you can hold the perpetrators accountable for their malicious acts.
  • Remove your car from the vicinity if a disturbance suddenly breaks out.
  • Activate your car’s alarm system when you get out of your car.
  • Do not leave your car unattended in isolated areas, if you can avoid it.
  • Avoid confrontations while you’re in your car. Your asset is worth much more than a silly argument.
  • A SCR10 pay parking is cheaper than a broken taillight, bumper, punctured tires etc.

Stay safe for the weekend!

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