Is damage to a vehicle caused by a riot while stationary in London covered under a comprehensive policy?

Prepare for the CII Certificate in Insurance - Motor Insurance Products (IF5) Exam. Dive into detailed questions and explore insightful explanations to boost your understanding. Excel in your exam preparation process.

Damage to a vehicle caused by a riot while stationary in London is covered under a comprehensive policy. Comprehensive insurance is designed to provide coverage for a wide range of incidents beyond just collisions. This includes non-collision events such as vandalism, theft, and damage due to riots or civil disturbances. Since rioting falls into the category of uncontrollable events that can cause damage to parked vehicles, comprehensive coverage would apply in this situation.

Other options do not align with the principles of comprehensive insurance. There is no requirement for witnesses or that the vehicle must be reported stolen for coverage to apply in the case of damage from a riot. Comprehensive policies exist to protect against such unpredictable and unfortunate events.

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