On the insurance point, I recently repaired a w204 C250cdi following a rat attack. They seem to like the furry bit that reinforces the rubber hoses. They chewed through the fuel hose from the filter to the high pressure pump, necessitating quite a strip to replace it, as well as superficial damage to multiple coolant hoses. The customers insurance covered all of it without a quibble. I was surprised by that part of it anyway!