There's nothing worse than coming back to your car to find it’s been damaged – even if nothing’s been stolen. Thankfully, there are people who can help get your car back to normal.
- Vandalism rates are down, but it still costs the public millions
- What are you covered for if your car gets vandalised?
- What about if your car has been vandalised beyond repair?
We talked to LV='s motor underwriting team about who could help you repair your car if it’s been vandalised and what you’re likely to be covered for under your car insurance policy.
It’s a good idea to take steps to prevent your car being vandalised – especially as many of these steps also help protect your car from theft, too.
Who should you call if your car’s been vandalised?
If you return to your car to find it vandalised, you should first call the police via their non emergency number (101) to report it and get a crime reference number. You can also report vandalism on the gov.uk website. If you need to claim on your car insurance, give your insurer a call.
'At LV= we have a vandalism promise, which means your no claim discount won’t be affected if you make a vandalism claim – you’ll just need to pay your excess,’ says our team.
What counts as car vandalism?
Vandalism refers to damage to your car that isn’t caused as a result of an accident while you’re driving. So, from keyed paintwork to kicked in body panels, or even the wing mirrors being ripped off - vandalism can be extremely unnerving and equally inconvenient.
If your windows are smashed by a vandal but nothing is stolen and there's no additional damage, you'll be able to claim under the glass section of your LV= policy. This means you'll only need to pay your windscreen replacement excess and your no claim discount will not be affected.
What evidence should you get and how can you get it?
‘At LV= we require a crime reference number,’ say our underwriters.
The police will give you a crime reference number when you report the vandalism.
What do you do if your car has been rendered undrivable?
If you can’t drive your car due to vandalism, call your insurer and they’ll tell you how you can get your car repaired.
‘You may have courtesy car cover with your insurer. If you’re with LV= and have chosen our Guaranteed Hire Car option, we’ll guarantee you a courtesy car for the duration of your repairs whilst it’s with our recommended repairer service.’
How can you get repairs and what are you covered for?
Your insurer will be able to help. If you’re insured with LV= then get in touch with our claims team
‘Comprehensive vehicle insurance will cover you for damage to your car, including damage caused by vandalism’ says the motor underwriting team.
What if your car is written off by vandals?
If your car is deemed a total loss, your insurer is likely to pay you the market value of your car.
‘If you’re insured with LV=, your car is less than 12 months old and you’re the first registered keeper, we’ll replace it with a new one.’
How can you prevent your car from getting vandalised?
Preventing vandalism to your car is very similar to preventing theft.
‘If you can’t park in your garage or on your drive, try to park your car in a well-lit area,’ recommends the team.
Wherever you park, it’s also a good idea to leave a bit of space between you and other cars, as it means thieves and vandals will have fewer places to hide if they’re scoping for something to steal. You should also make sure that you don’t leave anything valuable visible, and preferably not inside the car at all.
Read our article on protecting your car from theft for more tips.
Although you can reduce the risk of your car getting damaged, vandalism is sadly a senseless crime that can happen to anyone. Thankfully, your insurer should be able to help out with getting your car back on the road or getting you some new wheels if you need them.
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