The car insurer Aviva said it recorded a 28% annual increase in claims for rat damage in 2024.
It is urging drivers to take precautions to protect their cars from rats and mice in the colder months.
This, they say, is a time of year when claims tend to increase as animals look for shelter.
The average claim in 2024 was for £2,494, according to Aviva’s data – but in one case seen by the insurer, the cost was more than £24,000, resulting in the vehicle having to be written off following damage to its interior and exterior.
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Average claim costs for rodent-related damage increased by around 11% annually last year
Types of damage commonly cited by customers include rodent nests discovered within engine compartments and behind passenger airbags, the insurer said.
It has also seen cases of chewed wiring and cabling, leading to damage across dashboard sensors, batteries, suspension systems and gear mechanisms.
Fuel and water leaks caused by rodents biting into fuel tanks and piping systems are also a problem it has seen.
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.
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“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.
“Coverage will vary from insurer to insurer, so it’s worth reviewing your policy details to check if you’re covered.”
