Urgent

My car cable on engine is broken by Rat 🐀, and I didn't put Rat in car to cut those wires, and I have no knowledge how they get in, when i take up insurance, i disclosethe fact that i dont have garage, but when I log claim with pmd ,the lady who registered claim said if is Rat they will cover it , unfortunately today I got a call and letter to say my claim is rejected, and they provide me with the supporting section

According to section 47.1.c. support their rejection

When I go through their terms and conditions for the same section it doesn't support any of the reason for rejection.

Their grounds of rejection whatsoever is unfair. Instead talking about pre-existing damages and lack of maintaining, and any loss or damages arising from the use of the incorrect fuel type for the vehicle;

How does this connect with their section,

I am disappointed and it's unfair rejection as this is an accident, which I did not plan or make myself.

Am paying money for help with such things ,but insurance find a way always to reject our claims. ,but am paying insurance every months , this is ridiculous and disgusting, is actually a Ripoff what you are doing to us.