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Claims
An example is someone deliberately scratching the paintwork of your car, or painting graffiti on your wall. You are not covered for malicious damage if:
○ you lend, let or sub-let your home, unless you can prove that it was not caused by your tenant; or
○ you leave it unoccupied for more than 60 days in any 12-month period.
You are not covered for malicious damage inside your home and outbuildings if they do not comply with the minimum security requirements when the premises are unoccupied.
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