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Old 14th September 2009, 01:02   #1
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Default Insurance against electrical damages due to Rats etc.

There is a separate thread on this forum on the Rat menace and Havoc the Rodents can play on the electrical system of a vehicle. Its very evident that quite of few of t-bhp members have faced the problem some time or other. Also the repairs at times can cause a bomb. ( A neighbour of mine recently spent over Rs. 10K to get the wiring changed). There are reports under that same thread that the normal car insurance does not cover such kind of damage.

Questions to the Insurance Experts:
1. Is it true that the normal "comprehensive" insurance does not cover the damage to the electrical system due to Rats or other reasons beyond the customers control? (If true, then it is incorrect to call it "comprehensive" policy).
2. If yes, can such a cover be availed by an extra premium? How and under what head?
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Old 14th September 2009, 14:55   #2
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Rubbish, I don't see why an insurance firm would not cover damage caused by rats. They are as much as natural menace / disaster as floods (as an example) are.

If a rat chewed up your wires, messed up your electrical system and led to the car catching fire, you will obviously be covered. On the other hand, if you want to replace your wiring system that's been damaged by rats, I am not so sure about insurance companies willing to host your complaint. Reason? Prove it. They might just as well dismiss off the damaged wires as wear & tear.
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Old 14th September 2009, 16:01   #3
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Quote:
Originally Posted by GTO View Post
Reason? Prove it. They might just as well dismiss off the damaged wires as wear & tear.
You are Right!!!

One has to prove the damages. Otherwise insurance company will say that these part's are replaced. - I know this is foolishness.
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Old 4th July 2016, 18:20   #4
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Default Re: Insurance against electrical damages due to Rats etc.

Has anyone calimed insurance for rat related damage ? I am facing the same issue now. Rats bit off wiring harness which Honda says costs around 15k. I am trying the insurance way but dont know if claim will be honoured.
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Old 5th July 2016, 08:36   #5
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Red face Re: Insurance against electrical damages due to Rats etc.

Quote:
Originally Posted by sumeethaldankar View Post
Has anyone calimed insurance for rat related damage ? I am facing the same issue now. Rats bit off wiring harness which Honda says costs around 15k. I am trying the insurance way but dont know if claim will be honoured.
Unfortunately the Insurance claim will not be honored by the Insurance co. The loss will be categorized as wear and tear loss. It will be worthwhile to challenge Insurance co on the wear and tear loss but I doubt if you will be able to get an approval for the same. The Insurance co expects you to protect the car from rat infestation.
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Old 9th July 2016, 08:46   #6
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Default Re: Insurance against electrical damages due to Rats etc.

My insurance claim for rat chewing up the main engine harness which was costing around 20k was approved by my insurance co. However all is not rosy as Honda showed damages as close to 31k which means i have to pay roughly 16k still. Rest will be borne by the insurance co. On the brighter side i would have had to pay close to 20k if only i was changing the harness but this way i get the engine harness and the dashboard wiring changed along as part of standard procedure as per Honda in case of claim made through insurance.

Car is still in workshop awaiting parts but survey was done and the insurance was approved. Will post more details later as i get more info on the parts replaced and insurance process.
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Old 25th July 2016, 21:39   #7
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Default Re: Insurance against electrical damages due to Rats etc.

HI. I know the following topic about RAT problems have been discussed on this forum. I needed a bit of different help. My friend lives in Bangalore. His 2014 Honda Accord had RAT problems and ofcourse the wires in engine bay were chewed. Now AC has stopped working and various other dashboard lights have also stopped working / started blinking / alarms keep sounding. Honda ASS says that it will cost at least Rs. 50,000 to replace wires and will take 2-3 months to source them. Is that kind of true? Any recommendations if apart from Honda ASS, there are any other reliable places in Bangalore where wires can be replaced at a cheaper cost?
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