In the OAP 1, which cause of damage is not subject to a deductible?

In the context of the Owner-Operator's Auto Policy (OAP) 1, certain causes of damage are treated differently regarding deductibles. Specifically, lightning is not subject to a deductible under this policy. This means that if an insured vehicle is damaged due to a lightning strike, the policy would cover the repair costs in full without requiring the insured to pay a portion of the loss out of pocket.

The reason why lightning is treated this way may relate to the fact that it is considered an extraordinary and uncontrollable natural event, which can cause significant damage without any underlying negligence or actions from the insured party. It's important for policyholders to be aware of these specific conditions, as they could lead to significant cost savings in the event of damage from such causes.

In contrast, other causes of damage like windstorm, explosion, and vandalism typically come with a deductible. This reflects the insurance industry's approach to sharing loss costs between the insurer and the insured, ensuring that the insured has a stake in preventing or mitigating damage while still receiving support from the insurer in times of unexpected loss. Understanding these distinctions can help policyholders make informed decisions about their insurance needs and the coverage they require.