Rat causes R154,000 damage to Porsche


Honorary Master
Mar 26, 2010
Lots of awful things can happen to a car - crashes, hijackings, hailstone damage, break-ins, flooding - but few people who take out insurance consider the destructive power of rats.
From chewing on essential wiring to building nests and hiding food inside the engine, a nesting rat with a taste for wiring insulation can be quite the wrecking furball.
When Micheal Maeso of Mount Edgecombe, KwaZulu-Natal, took his prized Porsche Carrera 4S Cabriolet on a spin recently, just three weeks after a full service was done, he noticed the oil pressure gauge wasn’t working.
Back to the Porsche dealership the car went, and that’s how the resident rat, and the damage it had caused before it died, was discovered.
“I was horrified,” Maeso said, “but I suppose living in areas that were previously cane fields, these things happen.”
The repair bill was a hefty R154,000.
Luckily for him, his claim was settled by his insurer, Hollard, via his broker, TIB Insurance Brokers.
“My house has been fumigated now and I will make sure the car is armed with rat poison and anything else that Porsche recommends,” Maeso said.
His insurance policy covers damage by animals, excluding domestic pets. So rat damage is covered, but any scratching, biting, chewing or soiling by dogs and cats is not.
Not all comprehensive insurance policies cover damage caused by rodents, so car owners would do well to check.
More at: https://www.timeslive.co.za/news/consumer-live/2019-08-13-rat-causes-r154000-damage-to-porsche/


Expert Member
Dec 5, 2005
Didnt bother opening the bonnet to check what the issue was before sending it back to the dealership :unsure:


Well-Known Member
Aug 16, 2016
Also had that problem a few years ago when we visited relatives who lived on a plot.

A rat hitched a ride inside the engine compartment, and began to chew through the wires.

To add insult to injury our Jack Russell picked up the scent, and one morning we woke up to find the car's bonnet severely scratched from top to bottom as she slid around on it trying to get to the rat.
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Honorary Master
Aug 26, 2016
This legit feels like an ad for Hollard insurance.
It is actually not. Because this insurance paid the exorbitant dealership price to, basically replace almost every component in the car whether it had some rat urine on it or not, everyones premiums will go up and dealerships will just get more greedy.

This is exactly what's wrong with insurance and medical aids.

A bunch of electrical wires doesn't cost R100k even if you put a Porche badge on it.