15 April 2025
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Does car insurance cover vandalism?
It can be incredibly frustrating to discover your car has been vandalised, even if nothing’s been stolen. Luckily, your Allianz Car Insurance is here to get your car back into tip top shape.
- What does vandalism mean when it comes to cars?
- Does car insurance cover vandalism?
- Who do you contact if your car’s been vandalised?
Who should you speak to if you discover your car’s been vandalised?
Make sure you report the vandalism to the police. If you’re not in immediate danger then use their non-emergency helpline (101), otherwise you should call 999. You will then get a crime reference number which you’ll need for your car insurance claim.
If you make a claim on your Allianz Car Insurance for vandalism, your no claim discount will remain unaffected -all you need to do is pay your excess and we’ll sort the rest.
What counts as vandalism?
From keyed paintwork to smashed wing mirrors or windows, and even kicked in body panels, we class vandalism as damage to your car that wasn’t caused as a result of an accident while driving.
If nothing’s been stolen and the only damage is to your windows, then you claim under the glass section of your Allianz Car Insurance policy. This means you only have to pay the windscreen replacement excess, and you won’t lose your no claim discount.
What evidence do you need to make a vandalism claim?
When claiming for an act of vandalism on your car, we require a crime reference number, you will get this from the police when you report the vandalism.
My car is undriveable due to vandalism, what should I do?
Double check your policy wording to see if you have courtesy car cover, this will mean you’d have use of a car while yours is being repaired.
What vandalism repairs am I covered for?
If you have Allianz Car Insurance, you’ll be covered for any damage to your car, including vandalism. If you have third party cover then you are unlikely to have cover for vandalism. Always check your policy documents for your level of cover.
What if vandalism writes my car off?
The damage may be so bad that your insurer writes your car off. If this is the case, you’ll likely receive a market value payout from your insurer.
If you have your car insurance with Allianz, you’re the registered keeper and the car is less than 12 months old, then we’ll replace it with a new one, like-for-like.
How to stop your car being vandalised
Firstly, the best solution is prevention, so let’s take steps to prevent your car from being vandalised - these tips can also help stop your car from being stolen…
- If you don’t have a garage or driveway, keep your vehicle in a well-lit area.
- Always leave a good amount of space if you can between parked vehicles.
- Consider a good car alarm system or cameras if possible.
So, remember our top tips to deter a vandal, and rest assured that we’re here if the worst should happen.
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