Malicious Damage Malicious damage cover targets vandalism by third parties.

What is malicious damage?

Deliberate property damage. As a King Price client you will see malicious damage referenced on your policy schedule, in your claim documents, or in conversations with client care on 0860 50 50 50.

How malicious damage works

malicious damage is governed by the terms set out in the King Price Policy Document and the individual schedule issued for your policy. Your schedule always overrides the master wording where they differ, so the values, limits and conditions that apply to you appear there in plain English.

King Price reviews the application of malicious damage at every renewal, and any change to your risk profile, address, vehicle, security or claims history is taken into account. The Treating clients Fairly framework requires this detail to be communicated clearly before any change takes effect.

Example

Themba drives to client sites for work in Midrand. Tagged garage door. In this scenario, malicious damage determines the practical outcome for the client. The exact numbers depend on the cover option, the excess on the schedule and the limits set out in the policy document.

Why malicious damage matters

Understanding malicious damage helps King Price clients make better decisions about cover. It affects the monthly premium, the payout at claim stage, and the steps required before and after an incident. Getting it right means no surprises at claim time.

King Price aims to make insurance great again with plain-English wording, transparent premiums and a direct relationship with clients. Clear terminology like malicious damage is part of that promise.