POTHOLE PROTECT
What is Pothole Protect?
Pothole Protect is designed to do one thing really well: cover the cost of damage caused by hitting a pothole.
It gives customers an easy, stress-free way to get repairs sorted without making a fault claim on their main motor policy – which means no hit to their No Claims Bonus, and no increase in future premiums.
What’s Covered?
The policy covers up to £2,000 per year for damage caused by potholes, including:
Tyres – up to £200 per tyre (max £600/year)
Wheels – up to £250 per wheel (max £500/year)
Suspension – up to £500
Wheel Alignment / Rebalancing – up to £150
Bodywork / Paint / Headlights – up to £250
It’s available for private vehicles, and for taxi or courier drivers as long as their use is declared at the start.
Why Customers Like It
They don’t want to claim on their main insurance for pothole damage – and most don’t
It protects their No Claims Bonus and keeps their premiums stable
Gives them peace of mind – and makes repairs more affordable when they need it
It feels fair: pothole damage isn’t their fault, and they shouldn’t be punished for it
Why It Works for Brokers & Insurers
Great for retention – helps you keep customers happy at renewal
No knock-on effect to core motor loss ratios
Delivers real value, which is more important than ever with the FCA’s focus on add-ons and fair pricing
Works especially well for taxi books and higher-risk portfolios, where pothole damage is common and often unrecoverable
What’s Not Covered?
Some key exclusions to keep in mind:
Damage from careless driving, wear and tear, or poor maintenance
Food delivery use (Deliveroo, Uber Eats etc.) is excluded
Claims outside the UK, Channel Islands, or Isle of Man
Customers need to pay for repairs up front – this is a pay and claim policy
Claims must be made within 31 days, and include:
Photos of the pothole and damage
Confirmation the pothole has been reported to the local authority
Invoices from a VAT-registered or approved garage