POTHOLE PAYOUTS: 83% of drivers footing the bill themselves rather than through local authority or insurer

A staggering 83% of drivers are paying for vehicle repairs out of their own pockets due to damage caused by potholes. Despite this, only a small fraction of motorists are turning to their insurance providers for help, with just 6% making a claim.

These statistics come from a recent survey by Quotezone.co.uk, which also reveals that 92% of drivers feel the state of local roads is deteriorating. The worsening condition of the roads has forced many to take evasive action, with 94% admitting they have swerved to avoid a dangerous pothole. However, insurance experts warn that such manoeuvres could lead to severe penalties. Drivers could face fines of up to £2,500, penalty points, or even disqualification if their actions are deemed careless or inconsiderate.

For those who suffer vehicle damage, there are options to recoup the costs. Drivers can claim through their insurance, but should consider the impact on their no claims discount and the need to pay an excess fee. Another route is to claim directly from the local council or road authority responsible for maintaining the road.

Before lodging a claim, drivers are advised to gather solid evidence. This includes details of the incident, photographs of the pothole, and witness statements. Mechanics’ reports confirming the damage can also strengthen the case. The pothole typically needs to be at least 40mm deep for a successful claim.

With road conditions seemingly worsening, it’s crucial for drivers to understand their rights and the steps they can take if their vehicle is damaged by a pothole.

Greg Wilson, Founder and CEO of Quotezone.co.uk, said: “With the battle against potholes surging across the country, it's not surprising to hear so many are having to make manoeuvres to avoid driving over dangerous potholes. 

“Costly damage to vehicles is the last thing any driver needs right now, but we want to help them understand what they are entitled to if they can prove they have experienced vehicle damage as a result of driving over an unrepaired pothole. 

“Many drivers are unaware their attempts to avoid car damage from dangerous potholes could see them penalised. From our survey, 66% of drivers admitted they were not aware swerving potholes was illegal. 

“However, with 92% saying the potholes in their area are an increasing problem and are not being fixed quickly or at all - it is not surprising to hear that so many are having to make potentially dangerous manoeuvres to avoid hitting potholes. 

“When claiming, it’s key to include as much information as possible - you could also provide contact details for anyone who witnessed the incident. 

“This will all strengthen your case when it comes to proving the damage was caused solely by the unrepaired pothole and helping you to secure the appropriate compensation. 

“If you have tried to claim through the local council and been turned away, you can look to your insurance provider for protection.  If your policy is fully comprehensive then pothole damage is normally covered as standard. 

“You will need to provide them with as much information as possible and help them to understand how the damage was solely caused by the unrepaired pothole. 

“However, when taking this route, it is important to remember your no claims discount will likely be affected, so check the policy details carefully and look for no claims bonus protection – also try quoting with the claim added to see if your premium price will change, to help you make the decision.”