Under a comprehensive policy, is damage caused to a vehicle due to a riot while driving in France covered?

In the context of motor insurance and comprehensive policies, coverage typically extends to a wide range of perils, including theft, vandalism, and accidental damage. However, the coverage for specific incidents, such as damage caused by a riot, can depend on the terms and conditions set forth in the policy.

Comprehensive policies may exclude certain risks, particularly those related to civil disturbances or riots, and damage incurred during such events often falls into this excluded category. Therefore, if a vehicle sustains damage as a result of a riot while driving in France, it is likely not covered under a standard comprehensive insurance policy, which aligns with the assertion that such damage would not be compensated by the insurer.

The other options introduce scenarios that do not modify the policy's stance regarding riot-related damage. For instance, coverage isn’t altered by the presence of bodily injury or the requirement to report to the police. The definition of coverage provided by the policy remains critical and specific regarding what incidents are insured, reinforcing that damage occurring from a riot would fall outside of the normal protections a comprehensive policy provides.