What is Accidental or Malicious Damage cover?
Accidental or malicious damage insurance offers financial protection if your vehicle is damaged by unexpected events such as accidental collisions or deliberate acts of vandalism.
For couriers and delivery drivers, your van is your livelihood, and even minor damage can disrupt your work. This cover provides peace of mind by helping cover repair costs, so you can get back on the road quickly.
*All information included on this page is general information and not specific to Collingwood Insurance
What does Accidental or Malicious Damage cover?
This type of cover typically includes:
✅Accidental damage: For example, damage caused by reversing into a post, colliding with another vehicle, or dropping a heavy object on your van.
✅Malicious damage: Protection against intentional harm, such as vandalism, keying, or broken windows caused by others.
What’s Not Covered?
While this cover is designed to protect against many unforeseen incidents, there are exclusions, such as:
❌General wear and tear or mechanical breakdowns.
❌Damage caused while driving under the influence of alcohol or drugs.
❌Damage resulting from illegal or reckless use of your vehicle.
Always check the specific terms of your policy for full details of what is and isn’t covered.
How to add this cover to your policy
Accidental or malicious damage cover can be added when you take out or renew your courier insurance. Speak to your insurer or check your policy details to ensure you’re fully protected.
For more information on Collingwood Insurance, contact us or get a quote today.