phone icon

+44 (0) 20 3740 4431

BUY NOW

Cover for Pothole Damage to Your Vehicle

Pothole damage can be frustrating, inconvenient and costly. Even a relatively minor impact can result in an unexpected repair bill. Pothole Insurance provides protection against eligible repair costs following damage caused by hitting a pothole during the policy period.

what covered left img

What’s Covered?

Get cover for pothole damage to your car.

Our Pothole Insurance can reimburse eligible repair costs for damage caused by hitting a pothole on a public highway, including:

cross tyre

Tyres — up to £200 per tyre, subject to the annual policy limit

wheels

Wheels — up to £250 per wheel, subject to the annual policy limit

wheel alignment

Wheel alignment and rebalancing — up to £150

suspension demage

Suspension damage — up to £500

bodywork icon

Bodywork, paintwork and headlight damage — up to £250

The maximum total amount payable is up to £2,000 in any period of insurance, subject to the policy terms, limits and exclusions.

Why would I need Pothole Insurance?

Potholes are a common cause of vehicle damage, particularly to tyres, alloy wheels and suspension.

Without separate pothole cover, you may have to pay the repair bill yourself or try to recover your costs from the relevant local authority. This can take time and may not always be successful. Otherwise, you will have to claim from your motor insurer, which may affect your no-claim discount and next year’s renewal premium.

Pothole Insurance gives you a more straightforward route to claim reimbursement for eligible repair costs, provided the claim meets the policy terms.

pothole vehicle damage img

Important things to know

This policy is designed for private cars only.
You must:

  • Own or lease the vehicle.
  • Have a valid motor insurance policy in force for the vehicle.
  • Be a permanent resident of the UK, Channel Islands or Isle of Man.
  • Hold a full valid UK, Channel Islands, Isle of Man or internationally recognised driving licence.
  • Use the vehicle on a public highway.
  • Provide evidence of the pothole incident and repair costs.

Claims must be notified as soon as reasonably possible and within 30 days of the damage occurring.

Exclusions

This policy will not cover every situation. Key exclusions include:

  • Damage that happened before the policy started or after it ended.
  • Damage where there is not enough evidence to validate the incident.
  • The policy excess shown in your policy schedule.
  • Recovery, towing or other associated costs.
  • General wear and tear, poor maintenance or pre-existing damage.
  • Damage while driving off-road or outside the UK, Channel Islands or Isle of Man.
  • Vehicles used for hire and reward, taxi/private hire, motor trade, racing, competitions or business use beyond Class 1 Business Use.
  • Claims already settled by another party, including your motor insurer or a local authority.

The maximum total amount payable is up to £2,000 in any period of insurance, subject to the policy terms, limits and exclusions.

BUY NOW right arrow

Get your pothole cover from Bettersafe

You'll continue to Bettersafe who will arrange your cover

How does it work?

  • You hit a pothole on a public highway.
  • Your vehicle suffers eligible damage.
  • You pay for the repair at a reputable garage or repair centre.
  • You submit your claim with the required evidence.
  • If approved, your claim is paid to your nominated UK, Channel Islands or Isle of Man bank account.

Get Your Quote Today

Just Protect acts as an introducer for this insurance product for Commercial and General Limited t/a Bettersafe.com.

Just Protect Limited is authorised and regulated by the Financial Conduct Authority under number 792773.

Commercial and General Limited is authorised and regulated by the Financial Conduct Authority under number 300001.

Cover is subject to eligibility, underwriting acceptance, policy terms, conditions, limits and exclusions.