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Riot Strike malicious damage insurance clause protects the car from damage or destruction due to any of the causes which would not be covered otherwise.
Riots Strike and Malaicious cover is add to the motor insurance coverage upon payment of additional premium as such perils are excluded from original policy conditions , however insurance company may reject to cover R S M D in times of political interruptions and upsets.
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There are two types of peril:1) Natural,2) Man made.
Natural perils such as Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood, Inundation are known as STFI.
man made perils such as Riot, Strike, Malicious and Terrorism Damage are altogether known as RSMTD.
STFI & RSMTD are the basic covers under a motor insurance policy. Which means any loss to vehicle resulting from the STFI and/or RSMTD types of perils are covered under the policy.
