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Why a pothole could RUIN your no claims bonus

Peter Kelly
Mar 4, 2020


 

 

Hitting a pothole is always annoying; it’s uncomfortable, it gives you a shock, and it could leave your car with a nasty scrape. But most of us aren’t as worried about it as we are about being crashed into by another driver - and that could be about to change.

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The damage done by a pothole can be more serious than many of us expect, with repair bills often running into the thousands of pounds. And if you need to claim against your car insurance for any damage sustained when driving into a pothole, you will still lose your no claims bonus - even though you’ve done nothing wrong. 

This could make the ropey state of Britain’s roads extremely expensive for the average driver, as frequent claims are likely to see overall premium costs rise.

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In theory, you can claim back any potential pothole caused damage from the relevant local council, although that process probably won’t be as straightforward as it sounds. Car insurance experts at Admiral say that will be “difficult” unless you can prove clear negligence on the part of the council.

And even if you do manage to get through to the council, you’re still in the lap of the gods: it’s up to them whether they accept your claim or not - and even if they do, they could just offer to pay part of your repair costs, rather than the whole bill.

With so many potential hazards out there on the roads, it’s vitally important to have the best car insurance available. Head to A Spokesman Said to search for the best deals for you.

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Here at A Spokesman Said we love fighting for your rights and believe fervently in natural justice.

But these battles cost us money. You could help us fund these fights by using our price comparison site, A Spokesman Said for your energy, car insurance and household bills.

We’re just the same as Go Compare or any other price comparison site, so you won’t be losing out in any way - by helping us, you will be helping yourself.

Thank you for your support.


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