BMW Car Insurance Coverage for Vandalism

BMW Car Insurance Coverage for Vandalism

Whether you are driving a BMW or any other type of car, the threat of vandalism is always present. Unfortunately, this kind of crime is quite rampant in the UK. Although any make and model can be a target of vandals, BMW cars seem to suffer more damage than others. That’s why it is crucial

Whether you are driving a BMW or any other type of car, the threat of vandalism is always present. Unfortunately, this kind of crime is quite rampant in the UK. Although any make and model can be a target of vandals, BMW cars seem to suffer more damage than others. That’s why it is crucial to have good car insurance coverage, particularly for your BMW.

Statistics Reveal the Truth

You might think that your car is safe from vandals as long as you avoid dodgy areas of town, but that is not the case. Data collected over many years has demonstrated that people who cause damage to vehicles tend to have a particular interest in damaging BMWs. In 2011, for example, four BMW models were among the top ten most vandalized car types in the UK. These cars alone accounted for 40% of the total damage caused by vandals on cars in the country.

In 2012, vandals widened their targets and attacked a greater variety of makes, which reduced the number of damaged BMW models. However, two BMW models still managed to make it to the Most Vandalised list: the 3 series on slot #10, and the X5 on slot #4.

Recent findings for 2013 revealed that this trend is not letting up. Two BMW models, the X5 and the 3 series, have retained their spot as the most vandalised car types in the UK. But, good news for BMW Z series owners as their model is no longer on the most vandalized list since 2011.

What Should You Do?

Should you stop driving your BMW? Not at all. Instead, it would help if you heightened your vigilance and take precautions to protect your car. Installing anti-theft devices that alert you or others when someone approaches your vehicle could be helpful. Car alarm systems can also earn you a discount on your insurance coverage. Hence, if you have such a system installed, mention it to your cover agent.

Your insurance company may require specific security measures when covering vandalism damage to your car. Ensure that you understand these requirements. You may need to enclose your car in a locked garage or secure area nightly or use a car cover to shelter it from elements, including the human elements. Whatever precautions you take, it is essential to ensure that you are doing everything to keep your valuable assets safe from harm.

Stay Alert

The encouraging news is that vandalism in the UK, in general, is decreasing. However, as a BMW owner, you should not let your guard down. Your car could still be a prime target of vandals. Contact your carrier and confirm your car insurance coverage for your BMW. Take additional steps to protect your car, such as installing an alarm system, and keep Your BMW in the best possible condition.

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