Vandalism coverage allows night-time VTC drivers to be compensated in the event of malicious damage to their vehicle, thus protecting their income and avoiding heavy repair costs.
Nighttime VTC drivers are exposed to an increased risk of vandalism : scratched doors, broken windows, stolen rims, or spray on the bodywork. These malicious acts can result in high repair costs, immobilize the vehicle, and reduce your income. To operate with complete peace of mind, it's essential to include vandalism coverage in your VTC insurance policy. In this article, discover why this coverage is essential for nighttime journeys, how it works, and tips for mitigating risks.
Why vandalism insurance is essential for night-time VTCs
1. Increased risk after sunset
Driving at night exposes the vehicle to isolated areas: airport parking lots, less frequented neighborhoods, deserted gas stations. Acts of vandalism are more frequent in these areas:
- Windows broken by stone throwing
- Doors scratched by malicious users
- Stolen or punctured rims to sabotage the vehicle
- Spray paint or tags on the bodywork
Repairs can cost several hundred or even thousands of euros , not to mention the loss of business in the event of immobilization.
2. Direct financial impact
In the absence of vandalism cover , the cost of a simple broken rear window can reach €400 , a budget that is difficult to absorb for an independent driver:
- Average cost of replacing a window: €200 – €500
- Bodywork repair: €300 – €800
- Rim or tire replacement: €100–€300
By subscribing to vandalism insurance , you avoid these expenses, because the insurer covers the repair or replacement after deduction of any excess.
How does vandalism coverage work?
1. What is generally covered
- Material damage : broken windows, scratched bodywork, damaged mirrors
- Partial theft : rims, hubcaps, tires, interior equipment (windshield not included)
- Aerosol spray : stripping and painting costs
2. Declaration and compensation process
- Report or file a complaint : in the event of vandalism, file a complaint with the police or gendarmerie.
- Declaration to the insurer : send the report and the complaint within 5 working days .
- Expertise : an expert assesses the damage and provides a repair estimate .
- Compensation : after validation, the insurer covers the cost of repairs, less the planned excess.
3. Franchise and limits to take into account
- Standard deductible : €100 to €300 depending on the contract.
- Minimum damage threshold : some insurers only intervene if the cost exceeds €200.
- Maximum protection option : to reduce or eliminate the excess, opt for a premium plan (slightly higher cost).
Tips to limit the risk of vandalism
1. Choose safe parking locations
- Choose lit and monitored parking lots
- Avoid isolated or poorly frequented areas
- Park near other VTCs or taxis when they are grouped together
2. Install deterrent devices
- Alarm or connected alarm system that provides immediate warning in the event of a break-in
- Dashcam to film the exterior of the vehicle, deterring vandals and providing evidence
- Anti-theft markers (UV spray) to identify stolen parts
3. Adapt your contract
- Comprehensive formula + vandalism : also covers accidents and broken glass
- Zero deductible vandalism option : avoids any remaining costs in the event of a malicious act
- Extension of the scope of intervention : covers vandalism even in ZFE or tourist areas
Conclusion
Night-time VTC drivers are particularly exposed to vandalism , which can lead to significant repair costs and loss of income. Taking out vandalism coverage is therefore essential to protect your business and your vehicle . By choosing a suitable plan from KT VTC & TAXI , you benefit from rapid response, effective compensation and premium options for maximum peace of mind.
👉 Would you like to know more or get a personalized quote?
Contact the KT VTC & TAXI team now to add vandalism coverage to your contract!