Rodent-related motor claims scurry up by over a quarter

Aviva has revealed that the cost of motor claims for rodent damage has increased in recent years.

The insurer said an analysis of 2023 and 2024 claims data shows a 28% increase in reported incidents, with a noticeable spike during the colder months of December and January.

Aviva also revealed that the average claim in 2024 rose 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 common damage reported by customers include rodent nests discovered within engine compartments and behind passenger airbags, chewed wiring and cabling, gnawed interior of the car and 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.

”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.”

Avoiding damage

To prevent rodent-related damage, methods the insurer suggests include removing food and wrappers from vehicles, avoid parking near bins or overgrown grass, consider using protective wraps to block access to the engine bay and inspect regularly. 

Driscoll added: “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.”