{"id":56722,"date":"2025-11-22T20:36:49","date_gmt":"2025-11-22T12:36:49","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=56722"},"modified":"2025-11-22T20:36:50","modified_gmt":"2025-11-22T12:36:50","slug":"difference-between-vandalism-vs-malicious-damage","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/difference-between-vandalism-vs-malicious-damage","title":{"rendered":"Difference Between Vandalism vs Malicious Damage"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d7a505d693b\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7a505d693b\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/difference-between-vandalism-vs-malicious-damage\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/difference-between-vandalism-vs-malicious-damage\/#1_What_is_Vandalism\" title=\"1. What is Vandalism\">1. What is Vandalism<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/difference-between-vandalism-vs-malicious-damage\/#2_What_is_Malicious_Damage\" title=\"2. What is Malicious Damage\">2. What is Malicious Damage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/difference-between-vandalism-vs-malicious-damage\/#3_Key_Differences_Between_Vandalism_vs_Malicious\" title=\"3. Key Differences Between Vandalism vs Malicious\">3. Key Differences Between Vandalism vs Malicious<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/difference-between-vandalism-vs-malicious-damage\/#4_How_to_Claim_Safely\" title=\"4. How to Claim Safely\">4. How to Claim Safely<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/difference-between-vandalism-vs-malicious-damage\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car damage can happen unexpectedly, but many drivers don\u2019t understand the <strong>difference between vandalism vs malicious<\/strong> 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.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_What_is_Vandalism\"><\/span>1. What is Vandalism<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Vandalism refers to random or opportunistic damage caused by others, for example:<\/p>\n\n\n\n<ul><li>Scratches on doors or paint from sharp objects<br><\/li><li>Broken windows in public parking areas<br><\/li><li>Random scratches or spray painting<br><\/li><\/ul>\n\n\n\n<p>Comprehensive insurance usually covers vandalism damage, while third-party insurance does not.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_What_is_Malicious_Damage\"><\/span>2. What is Malicious Damage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Malicious damage is intentional damage with bad intent, for example:<\/p>\n\n\n\n<ul><li>Sabotage by someone seeking revenge<br><\/li><li>Planned breaking of windows or scratching<br><\/li><li>Damage showing clear malicious intent<br><\/li><\/ul>\n\n\n\n<p>Malicious claims require a police report and proof of intent, even if covered by a comprehensive policy.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Key_Differences_Between_Vandalism_vs_Malicious\"><\/span>3. Key Differences Between Vandalism vs Malicious<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-vivid-cyan-blue-to-vivid-purple-gradient-background has-background\"><tbody><tr><td><strong>Aspect<\/strong><\/td><td><strong>Vandalism<\/strong><\/td><td><strong>Malicious<\/strong><\/td><\/tr><tr><td>Perpetrator Intent<\/td><td>Random, opportunistic<\/td><td>Intentional, malicious<\/td><\/tr><tr><td>Evidence Needed<\/td><td>Photos, witnesses if available<\/td><td>Police report and proof of malicious intent<\/td><\/tr><tr><td>Claim Type<\/td><td>Comprehensive only<\/td><td>Comprehensive only, stricter evidence required<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_How_to_Claim_Safely\"><\/span>4. How to Claim Safely<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To protect your NCD:<\/p>\n\n\n\n<ol><li>Take photos of the damage from multiple angles<br><\/li><li>File a police report within 24 hours, stating whether it\u2019s vandalism or malicious<br><\/li><li>Contact your insurer or BJAK through official channels<br><\/li><li>Use a panel workshop for repairs<br><\/li><li>Keep all documents, including police reports and workshop invoices<br><\/li><\/ol>\n\n\n\n<p>Following these steps ensures your claim is accepted without affecting NCD, whether the damage is due to vandalism vs malicious acts.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"56784\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/difference-between-vandalism-vs-malicious-damage\/attachment\/4-158-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-158.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"4-158\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-158.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-158.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-158.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infographic showing the differences between vandalism vs malicious damage in terms of intent, evidence, and type of insurance claim.\" class=\"wp-image-56784\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-158.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-158.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-158.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-158.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/11\/4-158.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding the <strong>difference between vandalism vs malicious<\/strong> 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.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=difference-between-vandalism-vs-malicious-damage\" style=\"background-color:#ffd103\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p>Read More:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/ncd-can-be-lost-without-you-realizing\">NCD Can Be Lost Without You Realizing<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/should-you-take-strike-riot-civil-commotion-coverage\">Should You Take Strike, Riot &amp; Civil Commotion Coverage?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/info\/vehicle-cc-that-fits-your-city-rural-driving\">Vehicle CC That Fits Your City &amp; Rural Driving<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many drivers get confused when their car is damaged by someone else. This article explains the difference between vandalism vs malicious, which insurance covers it, and how to claim safely without affecting your NCD.<\/p>\n","protected":false},"author":31,"featured_media":56783,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,3186,3193],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Difference Between Vandalism vs Malicious Damage | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Car Insurance | Read about: Difference Between Vandalism vs Malicious Damage . 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