Vandalism or malicious damage can be a specified event or extension in property insurance. The policy determines the required circumstances, insured property and treatment of particular perpetrators or occupancy conditions.
The distinction that matters
Deliberate damage by an outsider, a tenant, an employee or someone with lawful access may not be treated identically. A label in a summary does not resolve those distinctions.
What to check
- The definition of malicious damage.
- Occupancy and access conditions.
- Exclusions for particular people or activities.
- Evidence, reporting and excess requirements.
Example to discuss
If damage occurs while a property is rented or unoccupied, ask which occupancy and perpetrator provisions apply before assuming the standard event is sufficient.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.