Pothole Pain: 83 % of Drivers Cover Their Own Repair Costs

Dodging Potholes: How to Keep Your Car—and Your Wallet—Safe

Recent chatter on the road is a mix of frustration and fear. A fresh survey from Quotezone.co.uk tells us 92 percent of drivers feel the pothole problem is on the rise in their neighbourhoods.

Manoeuvres That Might Cost You

94 percent of motorists admit they’ve swerved to dodge a dangerous pothole.
However, insurance gurus warn that such evasive moves could be deemed careless driving, leading to a fine of up to £2,500 or even penalty points.

Who Paid for Repairs?

When a pothole rips a car’s body, 83 percent of drivers paid out of pocket for fixes, while a mere 6 percent made a claim through their insurance.

Claims Options

Contact your local council or the road authority overseeing your area.
Reach out to your insurance provider if the policy includes comprehensive coverage.

Keep in mind that filing a claim via insurance often voids your no‑claims discount and requires you to cover the excess. So weigh the costs before you decide.

How to Strengthen Your Claim

Gather all possible evidence—testimony from witnesses, a mechanic’s report, and photos of the pothole.
Document the date, time, and exact location of the incident.
Make sure the pothole is at least 40 mm deep to qualify for a valid claim.

Advisor’s Take

Greg Wilson, Founder & CEO of Quotezone.co.uk says:

“The battle against potholes is heating up nationwide. Many of us have had to pull over or swerve to avoid the dreaded splinter of asphalt. Costly damage is a nightmare for anyone driving these days.

“If you can prove the damage came from an unrepaired pothole, you’re entitled to something extra back. Yet, 66 percent of drivers didn’t know that swerving potholes could be illegal.

“When you file a claim, the more detail you provide—witness contacts, photos, mechanics’ notes—the stronger your case becomes. It can help you secure the compensation you deserve.

“If the council turns you away, insurance might still be an option. Make sure you’re fully comprehensive; pothole damage is normally covered.

“Just remember—your no‑claims discount may take a hit. Talk to your insurer, find out about ‘no‑claims bonus protection,’ and consider quoting with the claim added. That way, you’ll see whether the premium shift offsets the out‑of‑pocket costs.