RAT-astrophe: Rodent-related motor claims increase by over a quarter

With reports of rat infestations on the rise across the UK^[2], leading insurer, Aviva, is urging drivers to take rat-ional precautions when it comes to protecting their cars this autumn and winter.

Analysis of motor claims involving rodent damage during 2023 and 2024 shows a 28% increase in reported incidents, with a noticeable spike during the colder months of December and January.

The cost of claims also increased, with the average claim in 2024 rising to £2,494 - an 11% increase compared to £2,253 in the previous year. In one case, rampaging rodents caused over £24,000 of damage, leading to the vehicle being written off.

Types of damage commonly cited by customers include:

• Rodent nests discovered within engine compartments and behind passenger airbags
• ·Numerous cases of chewed wiring and cabling, leading to damage across dashboard sensors, batteries, suspension systems and gear mechanisms
• Gnawed seats, seatbelts, footwells and carpets, damaging the interior of the car
• Fuel and water leaks caused by rodents biting into fuel tanks and piping systems

James Driscoll, Motor Claims Manager at Aviva, said: “Many people are aware of the damage that rodents can cause to properties, but may not realise they also like to explore our cars. In the winter months, mice and rats look for warmer places to nest and they can squeeze into the tiniest of gaps, including the grilles, vents or open windows of vehicles. Once inside a car, rodents can cause significant damage, from chewing wires and gnawing at interiors, to nesting in engines. The issue tends to be more prevalent in larger cities, where higher population density, extensive drainage networks, and ageing infrastructure create ideal conditions for vermin to thrive.

“It’s worth being extra-vigilant, especially during the winter months. If you notice any signs of gnawing or suspect rodent damage in your car, contact your insurer straight away who will be able to assist, reducing the chances of potentially costly repairs and anymore rat-astrophies. Coverage will vary from insurer to insurer, so it’s worth reviewing your policy details to check if you’re covered.”

Aviva’s top tips on getting cars ready and preventing rodent damage to vehicles include:

1. Think about what you store in your car: Remove any food, crumbs, and wrappers from your vehicle, as these can attract rodents. If possible, avoid parking near bins or overgrown grass, which are common nesting spots.
2. Park smart: If possible, park your vehicle in a secure location, such as a garage, to help deter unwanted visitors. This is especially important for those who don’t drive regularly, as stationary cars can attract vermin looking for a warm, sheltered place to nest.
3. Consider physical barriers: If you're unable to park your car in a secure location such as a garage, consider using mesh covers or protective wraps to block access to the engine bay as rodents can squeeze through surprisingly small gaps.
4. Vehicle check tip: When you open the bonnet to top up your washer fluid, take a moment to inspect the engine bay for any signs of wear, damage, or rodent activities.

-ends-

References:

^1. _{Aviva motor claims data relating to rodent damage from 2023-2024. [↑]}

^2. _{Mapped: Worst areas for rat infestations in the UK as over half a million reported | The Independent Ratmageddon: Why rats are overrunning our cities - BBC News [↑]}

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