Introduction
Car damage can happen unexpectedly, but many drivers don’t understand the difference between vandalism vs malicious damage. Knowing the distinction is important because it determines whether you can claim and protect your NCD. This article explains definitions, examples, and steps to claim safely so your NCD remains intact.
1. What is Vandalism
Vandalism refers to random or opportunistic damage caused by others, for example:
- Scratches on doors or paint from sharp objects
- Broken windows in public parking areas
- Random scratches or spray painting
Comprehensive insurance usually covers vandalism damage, while third-party insurance does not.
2. What is Malicious Damage
Malicious damage is intentional damage with bad intent, for example:
- Sabotage by someone seeking revenge
- Planned breaking of windows or scratching
- Damage showing clear malicious intent
Malicious claims require a police report and proof of intent, even if covered by a comprehensive policy.
3. Key Differences Between Vandalism vs Malicious
| Aspect | Vandalism | Malicious |
| Perpetrator Intent | Random, opportunistic | Intentional, malicious |
| Evidence Needed | Photos, witnesses if available | Police report and proof of malicious intent |
| Claim Type | Comprehensive only | Comprehensive only, stricter evidence required |
4. How to Claim Safely
To protect your NCD:
- Take photos of the damage from multiple angles
- File a police report within 24 hours, stating whether it’s vandalism or malicious
- Contact your insurer or BJAK through official channels
- Use a panel workshop for repairs
- Keep all documents, including police reports and workshop invoices
Following these steps ensures your claim is accepted without affecting NCD, whether the damage is due to vandalism vs malicious acts.
Conclusion
Understanding the difference between vandalism vs malicious helps drivers know when and how to claim. Other than that, complete documentation, accurate police reports, and using official insurance channels, damages caused by others can be claimed without affecting your NCD.
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