Do I claim the guarantee fund for damage caused by vandalism?
If you have suffered car damage due to vandalism it is very annoying. Damage always comes with a cost. Of course it is important that you have good car insurance. It can happen to anyone. Vt is more annoying when it happens due to vandalism. In this article from Alpina, you can read whether you can claim the guarantee fund if you have car damage due to vandalism.
Auto vandalism guarantee fund
You can only appeal to the Motor Traffic Guarantee Fund if the accident was caused by a motor vehicle, in the broadest sense of the word. For example, damage caused by coupled trailers and dropped cargo also falls under the term motor vehicle.
Damage caused in any other way, for example car damage caused by vandalism is therefore not compensated by the Guarantee Fund. Damage caused with a bicycle is also not compensated. In that case, there is no point in submitting a claim to the Guarantee Fund.
How do I report vandalism?
Even though in cases of vandalism there is no point in filing a claim with the Guarantee Fund, it is important to always report it. This will help the police try to track down the perpetrators and you may be able to recover damages from them. Should vandalism be a frequent nuisance in your neighborhood or residence, the police may decide to take extra measures and mobilize the neighborhood. This is to prevent future nuisances. So be sure to report vandalism. You can report vandalism to your car at the police station, but it is also possible to report it online. This way, you do not have to go to the police station, but can simply file your report at home. It is also necessary to file a report if you want to claim damages from your insurance company.
Under what coverage is vandalism covered by the insurer?
If you have been a victim of vandalism to your car, it is wise to look at your current auto insurance policy. In the policy conditions, you can find what coverage you have. If you only have third-party insurance, the insurer will unfortunately not reimburse you for the damage. If you have third-party insurance with limited body coverage, you will be reimbursed for the damage in the following cases.
- The damage was caused by burglary or attempted burglary
- Joyriding has taken place with your car
- Vandalism occurred due to the outbreak of riots
- You have window damage
In all other cases of vandalism to your car, such as broken off mirrors, scratches(paint damage) or punctured tires, you need all-risk car insurance to qualify for compensation.
Excess with the Guarantee Fund
The Guarantee Fund compensates both property damage and personal injury, as long as it was caused by a motor vehicle. Whether it is damage to your bicycle, car, garden fence or house facade. For material damage caused by an unknown perpetrator, you have a deductible of €250.
You can apply to the Guarantee Fund for compensation. It depends entirely on the situation and type of insurance whether you can turn to your insurer, the Guarantee Fund, or in the worst case, neither.
When will my insurance pay for damage to my car if there is no perpetrator?
If you have all-risk insurance, the damage will most likely be covered by your own insurance. Depending on your policy and coverage, you may have to pay part of the damage yourself. This is the 'excess', the amount of which varies per policy. So even in the case of damage without an offender, contact your insurer or intermediary. Damage without a perpetrator does not always mean that you have to pay the costs yourself. When buying insurance, consider what type of insurance best suits your car and situation. For cars less than six years old, all-risk insurance is often the best option. Ask your intermediary or insurer for advice if you are unsure about this.
Do you have any questions? If so, please contact us. We are happy to help you! We can be reached Monday through Friday between 08:00 and 18:00 at telephone number 088-6883700.
Car guarantee fund
The Guarantee Fund is not only for damage caused by a car, but also by other motor vehicles, such as a moped or tractor. You can claim compensation from the Guarantee Fund if you cannot recover this damage from the other party's insurer, for example, because the perpetrator is unknown, because the perpetrator is not insured, or because the motor vehicle has been stolen. As you have already read, vandalism damage is not compensated by the Guarantee Fund. The same unfortunately applies to theft of your car. The Guarantee Fund really only reimburses damages. In case of theft, it is best to report it to the police immediately.
Auto damage guarantee fund
It may have happened to you too: you park your car and then go to run an errand. When you return, there is a big dent or scratch in your car. It is obvious that someone has hit your car, but the culprit is nowhere to be seen and no bill has been left. So in this situation, you incur car damage, but you can't recover it anywhere because you don't know who the culprit is. The same goes for car damage caused by an uninsured person or a stolen car. In these situations, you can appeal to the Guarantee Fund. In many cases, the damage will then be compensated.
Auto damage fund
Car damage is never nice, especially if you cannot recover it from anyone and thus have to pay for it yourself. In such situations it is nice that there is a damage fund for your car. In many cases, the Guarantee Fund compensates for the damage so that you do not have to pay for it yourself. However, you must be able to prove that the damage was actually caused by a motor vehicle. You must also show that you have tried to find the perpetrator, for example through a neighborhood investigation, police report or an advertisement. You should not wait too long to take these actions; this must be done within 14 days of the damage occurring.
Related links about the Guarantee Fund
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.