Understand if riot damages are covered by car insurance. Get insights on claim eligibility, exclusions, and tips to protect your vehicle in civil unrest.
Riots & Insurance: Does Car Insurance Cover Riot Damages?
Public disorder events - riots, strikes, mass protests, etc. - can escalate quickly to the point where vehicles are exposed to damage. Damage can come from deliberate vandalism, fire or just being in the wrong place as people clashed. Vehicles afford a substantial financial burden to repair or replace and this begs the question – will car insurance cover riot damage?
For most policyholders with a comprehensive car insurance plan, the answer is yes for riot damage and it is included in the “Own Damage” section. That said, terms vary by insurer in the scope of cover, the claims process and exclusions. Knowing this in advance, both before a potential event occurs, and knowing the terms of each insurer could save you a lot of trouble and expense.
Car Insurance and Riot Damage Cover
A comprehensive car insurance policy offers a broad safety net that goes beyond just road accidents. One of the key components is the “special perils” cover, which often includes:
● Riots and strikes – Damage caused during civil commotion, protests, or large gatherings.
● Malicious acts – Intentional damage caused by unknown third parties.
● Fire and explosions – Common during unrest when vehicles are set alight.
● Natural calamities – Floods, earthquakes, and other acts of nature.
If you hold such a policy, damages directly caused by riots are typically eligible for compensation. However, the sum insured, deductibles, and limits will impact the payout.
It is important to note that Third-Party Liability Only policies do not provide any coverage for your own vehicle’s damage. Their scope is limited to injury or damage caused to other people or their property.
What to Do If Your Car is Damaged in a Riot?
Responding promptly and correctly after riot damage can make a significant difference in your claim outcome. Here’s a step-by-step guide:
Prioritise personal safety – Stay away from the scene until law enforcement declares it safe.
Record the incident – Take clear photographs and videos of the damage from multiple angles, including any surroundings that show evidence of unrest.
File a police report (FIR) – This is a crucial requirement for most insurers to verify the cause of damage.
Inform your insurer immediately – Use the helpline, mobile app, or email to report the damage and get a claim reference number.
Do not move the vehicle unnecessarily – Unless it is causing obstruction or unsafe, keep it where it is for the insurer’s inspection.
Follow instructions from the insurer – They may send a surveyor or direct you to a specific garage.
Documents Required to Raise a Claim for Riot Damage
When filing a claim for riot-related damages, insurers generally require the following:
Document | Purpose |
Insurance policy document | Confirms coverage and terms |
FIR copy | Official record of the riot incident |
Photographs/videos of damage | Proof of the damage caused |
Completed claim form | Formal request to initiate settlement |
RC (Registration Certificate) | Proof of vehicle ownership |
Driving licence | Proof that the driver was authorised |
Repair estimate bills | Assessment of the repair costs |
Tip: Keep digital copies of these documents on your phone or email. This can save time during emergencies.
Reasons for Claim Rejection in Situations of Riot Damage
Even with coverage, claims can be rejected if certain conditions are not met. Common reasons include:
● No comprehensive coverage – Riot damage is not included in third-party policies.
● Delayed notification – Reporting the incident too late can raise doubts about the cause.
● Incomplete documentation – Missing FIR, unclear photos, or incomplete claim form.
● Policy exclusions – Damage from war, terrorism, or nuclear risks may be excluded.
● Unauthorised repairs – Beginning repairs before the insurer’s surveyor inspects the vehicle.
● Policy lapse – Coverage is void if your policy expired before the incident date.
Protecting Your Car from Riot Damage: Prevention Tips
Insurance offers financial protection, but prevention reduces the risk altogether. Consider these measures:
Avoid known hotspots – Stay updated on news alerts to steer clear of high-risk zones.
Use secured parking – Choose covered or guarded parking lots over roadside spaces.
Install security features – Car alarms, steering locks, and GPS trackers can deter vandals.
Relocate temporarily – If unrest is expected in your area, move your car to a safer location.
Maintain comprehensive coverage – Ensure your policy is active and includes riot protection.
How to File a Claim for Riot Damage
Step 1: Notify your Insurer Immediately
● Use official channels such as their 24x7 helpline or app.
Step 2: File a Police FIR
● Provide full details, including date, location, and extent of damage.
Step 3: Fill out the Claim Form
● Mention the incident clearly and attach supporting documents.
Step 4: Allow Surveyor Inspection
● Do not start repairs until the surveyor assesses the damage.
Step 5: Get Repair Approval
● For cashless claims, visit a network garage; for reimbursement, keep all bills.
Step 6: Complete the Repairs
● Ensure the work matches the insurer’s approved scope.
Step 7: Receive Settlement
● Cashless claims are paid directly to the garage; reimbursements go to your account.
To Summarize
Most car insurance policies do cover riot-related damage under the Own Damage section, so you may have some financial protection in an unpredictable event. It is still worth checking the terms of your policy, though third party car insurance policies will not cover this sort of event!
In these unsettling times, knowing your policy coverage, being prepared with the right documents, and knowing how to lodge a claim will aid a quicker settlement. Being prepared can make a significant difference to your recovery in times of disturbance.
Frequently Asked Questions
1. What coverage will I receive if my car has been damaged beyond repair in a riot?
If your vehicle is declared a total loss, your insurer typically pays the Insured Declared Value (IDV) mentioned in your policy, minus any applicable deductibles.
2. Does Third-Party Car Insurance cover riot-caused damages?
No. Riot-related damages to your own car are only covered under a comprehensive car insurance policy.
3. Is it okay if I raise a claim after a week if I am unable to do so on the day the damage occurred?
It is strongly recommended to inform your insurer as soon as possible. A week’s delay may be accepted by some insurers if justified, but it also increases the risk of claim complications or rejection.
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