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rats spreading chaos in vehicles across the UK with rodent nesting in carsChewing wires and gnawing on seatbelts – leading to increased insurance claims,
insurance company aviva Said to see a 28% annual increase in motor claims for rodenticides Loss In 2024. It has now told drivers to take precautions to protect their cars from rats and mice during the colder months – the time of year when claims surge as the animals seek shelter.
According to Aviva figures, the average claim in 2024 was £2,494 – but in one case seen by the insurer the cost was more than £24,000, resulting in the vehicle being written off after it suffered damage to the interior and exterior.
The average claim cost for rodent-related damage increased by almost 11% year-on-year last year, putting the average claim in 2023 at £2,253.
The insurer said the types of damage commonly reported by customers included rodent nests found within engine compartments and behind passenger airbags.
There have also been cases of wiring and cable chewing, causing damage to dashboard sensors, battery, suspension system and gear mechanisms. Biting on seats, seatbelts, footwells and carpets has also been reported to the insurer.
Fuel and water leakage caused by rodent bites in fuel tanks and piping systems is also a problem he has observed. Aviva’s motor claims manager, James Driscoll, said: “Many people know that rodents can cause damage to properties, but what they may not realize is that they also love to explore our cars.
“During the winter months, rats and rats Look for warm places to nest and they can squeeze into the smallest of gaps including grills, vents or open windows of vehicles.
“Once inside the car, rodents can cause significant damage, from chewing wires and gnawing on interiors to making nests in the engine.
“This problem is more prevalent in big cities, where high population density, extensive drainage networks and aging infrastructure create ideal conditions for insects to flourish.
“It is worth being extra cautious, especially during the winter months. If you notice any signs of gnawing in your car or suspect rodent damage, contact your insurer immediately who will be able to assist.
“Coverage will vary between insurer to insurer, so it is worth reviewing your policy details to check whether you are covered.”
Aviva’s tips on preventing rodent damage to vehicles:
1. Remove any food, crumbs and wrappers from the vehicle that may attract rodents.
2. If possible, avoid parking near trash cans or tall grass, which are common nesting sites. Try to park in a safe location, such as a garage. This is especially important for people who do not drive regularly, as stationary cars can attract insects.
3. If you are unable to park in a safe location such as a garage, consider using a mesh cover or protective cover to block access to the engine bay – as rodents can squeeze through surprisingly small gaps.
4. When opening the bonnet to top up the washer fluid, inspect the engine bay for any signs of wear, damage or rodent activity.