Can I make a claim against the guarantee fund for damage caused by vandalism?
If you have car damage due to vandalism, it is very annoying. Damage comes with a cost at all times. Of course, it is important to have good auto 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.
Car 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 fallen loads also fall 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 there is no point in submitting a claim to the Guarantee Fund in the case of vandalism, it is important to always report it. The police will then try to trace the perpetrators and you may be able to recover the damage from them. If there is a lot of vandalism in your neighbourhood, the police may decide to take extra measures and mobilise the neighbourhood. This is to prevent future nuisance. So be sure to report vandalism. You can report vandalism to your car at the police station, but it is also possible to report online. This way you do not have to go to the police, but you can report it at home. It is also necessary to make a report if you want to claim damage from your insurance company.
What cover does the insurer offer for vandalism?
If you have been the victim of vandalism to your car, it is wise to look at your current car insurance. In the policy conditions you can find what coverage you have. If you only have third-party insurance, the insurer will unfortunately not compensate the damage. When you have a WA insurance with limited casco coverage, you will receive compensation for the damage in the cases mentioned below.
- The damage was caused by burglary or attempted burglary
- Your car has been joyridden
- Vandalism has occurred due to the outbreak of riots
- You have window damage
In all other cases of vandalism to your car, such as broken mirrors, scratches(paint damage) or punctured tyres, you need an all-risk car insurance to be eligible for compensation.
Own risk 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 submit a claim for compensation to the Guarantee Fund. It depends entirely on the situation and the 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 the damage to my car if there is no culprit?
If you have comprehensive insurance, the damage will most likely be covered by your own insurance. Depending on your policy and cover, you may have to pay for part of the damage yourself. This is the 'own risk', the amount of which varies per policy. So contact your insurer or broker even when there is no culprit. A damage without perpetrator does not always mean that you have to pay the costs yourself. When taking out insurance, think about the type of insurance that best suits your car and situation. For cars that are less than six years old, all-risk insurance is often the best option. Ask your agent or insurer for advice if you are unsure.
Do you have any questions? Then get in touch with us. We are happy to help you! We are available from Monday to Friday between 08:00 and 18:00 on telephone number 088-6883700.
Recovery service
Alpina cooperates with 112schade.nl to recover non-covered damage from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
Car insurance 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. Unfortunately, the same applies to theft of your car. The Waarborgfonds really only compensates damage. In case of theft, it is best to report it to the police immediately.
Motor Vehicle Damage Guarantee Fund
It may have happened to you as well: you park your car and then go to do an errand. When you come back, there is a big dent or scratch in your car. It is clear that someone has hit your car, but the perpetrator is nowhere to be seen and no note has been left behind. In this situation, you have suffered car damage, but there is no way of recovering it because you do not know who the perpetrator is. The same applies to 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 is then reimbursed.
Car Damage Fund
Car damage is never pleasant, especially when you cannot recover the damage from anyone and have to bear the costs yourself. In such situations it is good that there is a damage fund for your car. In many cases, the Guarantee Fund compensates the damage so that you do not have to pay for it yourself. You do have to be able to prove that the damage was actually caused by a motor vehicle. You must also be able to show that you have tried to find the perpetrator, for example by means of a neighbourhood survey, a police report or an advertisement. You should not wait too long with these actions, this must be done within 14 days after the damage occurred.
Related links about the Guarantee Fund
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