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Does Comprehensive Car Insurance Cover Rodent Damage?

Check if your car insurance covers rodent damage and learn ways to safeguard your vehicle.

  • 30 Mar 2023
  • 6 min read
  • 10048 views

Updated on 10-04 2025

Due to the high cost of vehicles, it's imperative to protect them from unexpected events that may result in expensive outcomes, such as scratches, collisions, or thefts. Sometimes this might include unfortunate events where rodents might damage your car. Repairing the damages caused by rodents costs a lot. With insurance coverage, you do not have to stress about arranging for money at the last minute. To guarantee full financial security, acquiring the appropriate insurance policy is vital. Comprehensive car insurance is the optimal choice for complete protection.

 

What Damage Do Rodents Cause?

Some of the common ways in which rodents can cause damage to your car are-

  • They chew wires, leading to fires or other issues
  • They chew wires around the engine, shred gauges in air vents, and scratch upholstery, causing unpleasant smells and unhygienic conditions.
  • Mice and rats can nest in vents, trunks, dashboards, air filter chambers, seats, and batteries.

 

Is Rodent Damage Covered by Comprehensive Car Insurance?

 

Yes. If you have a comprehensive car insurance policy, it will typically cover the costs of damages caused by rodents

  • To receive reimbursement for repairs, report any such damage to your insurance company immediately
  • The insurer will review the damages and provide reimbursement according to the policy’s terms and conditions
  • Rat bite coverage is a specialised insurance policy that protects car owners from damages caused by rats
  • To file a claim for rat bite coverage in car insurance, contact your insurance company and provide all the details about the situation, including photos of the rat bite damages
  • The insurer will send a claims adjuster to your home or ask you to drive to a pre-approved location for an examination of the damage.

 

How to File a Claim for Rodent Damage?

If your vehicle has suffered rodent damage and you have comprehensive coverage, follow these steps to file a claim:

  1. Document the Damage: Take clear photographs of all visible damage caused by rodents.
  2. Contact Your Insurer: Notify your insurance company promptly about the damage.
  3. Provide Necessary Information: Submit the photographs and other required documentation to support your claim.
  4. Get an Estimate: Obtain a repair estimate from a certified mechanic or service centre.
  5. Follow-Up: Stay in touch with your insurer throughout the claims process to ensure timely processing and resolution.

 

How to Prevent Rodent Damage to Your Vehicle?

Preventing rodent damage is more cost-effective than dealing with repairs. Here are some strategies to protect your vehicle:

 

  • Roll up the windows at night
  • Avoid leaving the car stationary for too long and park in a garage
  • Clear car and storage areas of debris and rodent food sources
  • Regularly clean the car's interior and inspect it for signs of nesting or damage
  • Use rodent repellents if you park your car in a rodent-infested area

 

FAQs

Q: Does liability-only car insurance cover rodent damage?

A: No, liability-only insurance covers damages to other people or their property in accidents you cause. Rodent damage is typically covered under comprehensive insurance.

Q: Will filing a claim for rodent damage increase my insurance premiums?

A: Filing a comprehensive claim may lead to an increase in premiums, depending on your insurer's policies and your claim history.

Q: Are there specific rodent repellents recommended for vehicles?

A: Some vehicle owners use deterrents like peppermint oil, mothballs, or commercial rodent-repellent sprays. However, effectiveness can vary, and it's important to use these products safely to avoid damage to your vehicle or harm to pets and humans.

Q: How can I tell if rodents have been in my vehicle?

A: Signs of rodent activity include chewed wires, nests made from insulation or other materials, droppings, and unusual odours.

Q: Is rodent damage common in vehicles?

A: Yes, especially in areas where rodents are prevalent. Vehicles parked for extended periods or near food sources are more susceptible.

 

Conclusion

Rodent damage can lead to significant repair costs and safety concerns for vehicle owners. Comprehensive car insurance generally covers such damage, but it's essential to confirm this with your specific policy. Taking proactive measures to prevent rodent infestations can save you time, money, and hassle in the long run. 


Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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