Potholes can damage your car insurance quote
After any period of particularly cold weather, one noticeable problem on UK roads is an increase in potholes. Potholes can cause thousands of pounds worth of damage to the suspension, tyres and bodywork of cars and often road users are told merely to claim on their insurance. However, loss of no-claims bonus will inevitably see a rise in the following year's car insurance quote, so, if at all possible, you would want to avoid a claim.
The following is a list of useful tips to help you make a successful claim against the local authority responsible for maintenance of the road.
- Take a photo of the pothole. Do it as soon as possible because once it is filled in your evidence will be gone. Photograph the surrounding area to show there were no warning signs.
- Measure it if at all possible - use something familiar as a size guide if you don't have a tape measure to hand.
- Report the pothole to the council and local police; especially if it is a danger to other road users.
- Ask your garage to supply you with a written report of the damage to your vehicle and what the likely cause was, in their opinion, and an estimate of the cost of repairs.
- Make house to house enquiries asking for witness statements to ascertain how long the pothole has been in the road and to see if their have been any other similar incidents.
- Ask the council to establish who is responsible for the road and then send a letter along with copies of your evidence. Ask them for compensation from their insurance
You may be lucky and get compensation quickly or you may have to go through the Small Claims Court, but in order to keep your car insurance quote down for the future it may be worth pursuing this route rather than claiming as a matter of course on your motor cover; which will incur financial penalties in the long run.
Car insurance quotes from duck2water
If you have had to make a claim on your car insurance for pothole damage you may be shocked by your renewal quote. At duck2water we believe that you shouldn't have to pay over the odds for your motor cover, so our car insurance policies are as cheap as we can possibly make them.
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Our friendly advisors are waiting to take your call on 0800 954 97 55 or you can use our fast and efficient online quote service. Try us today and see if we can give you a car insurance quote that will make you smile.