Motorists across England are being urged to exercise extreme caution as a surge in rat-related car damage hits the nation, with one devastating case costing a driver a staggering £24,000.
Sharp Rise in Costly Claims
Leading car insurer Aviva has reported a dramatic 28% annual increase in claims for damage caused by rodents in 2024. The financial impact on drivers is significant, with the average claim settling at £2,494. However, the scale of destruction can be far greater, as evidenced by one extreme incident where the extensive damage to a vehicle's interior and exterior led to it being written off, resulting in a massive £24,000 loss.
Why Cars Are Under Attack
James Driscoll, motor claims manager at Aviva, explained the seasonal danger. "Many people are aware of the damage that rodents can cause to properties, but may not realise they also like to explore our cars," he said. During the colder winter months, mice and rats actively seek out warm places to nest. Their ability to squeeze through the smallest of gaps—including car grilles, vents, or open windows—makes vehicles an ideal target.
Once inside, the vermin can cause havoc. Aviva's claims data highlights incidents of rodents nesting in engines, chewing through internal wiring, and even gnawing at seatbelts, compromising both vehicle function and passenger safety. The problem is particularly acute in larger cities, where dense populations, extensive drainage systems, and older infrastructure create perfect conditions for vermin to thrive.
How to Protect Your Vehicle
Drivers are being advised to be extra vigilant as temperatures drop. Key recommendations include regularly inspecting your car for any signs of gnawing, droppings, or nesting materials. If you suspect rodent activity, it is crucial to contact your insurer immediately for assistance.
Mr Driscoll added a vital note on insurance coverage: "Coverage will vary from insurer to insurer, so it’s worth reviewing your policy details to check if you’re covered." Proactive checks and understanding your policy could save motorists from a costly and unexpected repair bill this winter.
