Does Your Car Insurance Cover Damages By Rat Attack?

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Considering the population of rats in our country, it is common to find a few in our homes, garages, and other closed spaces. Moreover, these rats can also cause severe damage to our cars as they love to chew on the wiring of our four-wheelers. Repairing such damages may cost a lot of money. However, with the right car insurance, you can also financially cover a rat attack sustained by your car. Read further to know more.

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      Damages Caused by Rats to a Car

      One of the most common and tricky damage that rodents cause is chewing the wiring of a car, thus leading to electrical malfunctions. They chew on the wires around the spots where they have built their nest in your four-wheeler.
      Reaching such spots and repairing them can be quite difficult for a mechanic.
      Moreover, rats can also cause havoc to a car's insulation and other components, such as the car's engine, upholstery, air vents, and seats. Plus, their nesting habits can turn your car's engine compartment into a clogged area.

      Does a Car Insurance Policy Cover Rat Damage?

      Now the question arises, "Does car insurance cover damage caused by a rat infestation?"
      Yes, a comprehensive car insurance policy covers rat attacks that cause an electrical malfunction due to biting on the electrical wiring of the car.

      The own damage part of comprehensive insurance is designed to cover damages to your vehicle caused due to rat attacks Since electrical damage due to a rat bite is an unforeseen accident, your policy will offer compensation under such a scenario.
      However, if you have third-party car insurance only, any such attack on your car will not be covered by the insurer.

      How to File a Claim for Rat Damage?

      To file a claim for Rat bites under your car insurance, follow these steps:

      • Inform the insurance company soon after you find your car is infested with rats
      • The insurer will then send a surveyor to inspect the damages caused by the rats.
      • If the damages are within the scope of your car insurance policy, the claim process will proceed further
      • Submit the required documents, like RC, insurance papers, and DL, to the insurer for verification
      • Once the claim has been verified, the insured vehicle will be sent to the authorised network for repairs.
      • Once the repairs are complete, the insurer will settle the claim with the garage.

      You May Also Read: Does Your Car Insurance Cover Animal Attack

      Ways to Prevent Rat Damage to Your Car

      Nobody wants to imagine their car falling victim to a rat attack, but unfortunately, it's a reality that some vehicle owners have faced. Here are some ways that you can adopt to prevent rat infestations in your car:

      1. Park Car in Well-Lit Areas: Rats prefer dark and secluded spaces, so parking in well-lit areas can keep them from nesting in or around your vehicle.
      2. Use Rat Deterrents: Consider using natural rat deterrents, such as peppermint oil or mothballs, to discourage rodents from approaching your car.
      3. Regular Maintenance: Keep your car clean and perform regular maintenance checks, paying attention to any signs of rodent activity.

      Wrapping Up!

      While the idea of a rat attack on your car may seem like a horrifying situation, understanding your insurance coverage can bring peace of mind. Comprehensive or own-damage car insurance is generally your backer in such situations, but it's essential to familiarise yourself with coverage before purchasing. You can easily compare car insurance online and get all the info about your policy inclusions on

      Remember, prevention is key, so take preventive measures to keep those rats at bay and safeguard your vehicle from unexpected rodent encounters.

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