Pothole Insurance

Just in Case!

Vans Motorbikes Cars Motorhomes

Pothole insurance is a specialist form of cover designed to protect drivers from the sudden, often expensive damage caused by hitting a pothole.

Standard motor policies don’t always respond to this type of impact damage, especially when it affects tyres, wheels, suspension, or alignment.

Pothole insurance fills that gap by offering a clear, defined route to claim for repairs that result directly from road-surface defects. For drivers it provides a layer of certainty in an area where the risk is high and the responsibility for road maintenance is often unclear.

The reason pothole insurance exists is simple: the UK’s road network is deteriorating faster than councils can repair it, and drivers are left footing the bill. Potholes can appear overnight, worsen quickly, and cause hundreds or even thousands of pounds’ worth of damage in a single incident. While you can attempt to claim from the local authority, the process is slow, the burden of proof is high, and success rates are low. Pothole insurance offers a practical alternative—fast, predictable protection that doesn’t rely on proving negligence or waiting months for a council response. It’s about reducing downtime, controlling costs, and keeping vehicles safely on the road.

Claims are usually straightforward: you document the incident, provide photos and repair invoices, you pay the costs upfront and the insurer reimburses you., up to the policy limits.

For businesses, it can be added to fleet insurance or taken out per vehicle, helping manage predictable budgeting and minimising operational disruption. It’s a simple, proactive way to turn an unpredictable road hazard into a manageable, insured event.

We will cover the cost of damage to your motor vehicle’s wheels, tyres, suspension, bodywork/paint and/or headlights as a result of you hitting a pothole, up to a maximum of £2,000 during the period of insurance. Claims are limited to the following:

🛞 Tyre Damage Cover*

Covers repair or replacement of tyres damaged by potholes.
Includes blowouts, sidewall tears, and punctures caused by impact.
Ideal for high‑mileage drivers and business vehicles.

*Claims limited to £200 per tyre (up to £600 per period of insurance)

⚙️Wheel Damage Cover*

Protects against cracks, buckling, and cosmetic damage.
Covers repair or full replacement depending on severity.
Helps avoid costly wheel refurbishment bills.

*Claims limited to £250 per wheel (up to £500 per period of insurance)

🚗 Wheel Alignment and Rebalancing

Helps keep the vehicle safe and roadworthy after a heavy impact.
Reduces downtime for business‑critical vehicles.

*Claims limited to £150 per period of insurance

🌀Suspension Damage Cover*

Covers shocks, springs, wishbones, track rods.
Protects against hidden structural damage after a pothole strike.

*Claims limited to £500 per period of insurance

🎨 Bodywork & Paint Cover*

Covers scrapes, dents, paint damage, and pothole‑related impact marks.
Includes headlight replacement where damaged by a pothole incident.
Claims limited to £250 per period of insurance

🔁 Claims

Your claim will be handled on a "pay and claim" basis.
You will have to pay the costs upfront and then send us valid itemised receipts/invoices and evidence for our review (such as your motor vehicle V5, MOT Certificate and motor insurance document and photographs of the damage to your motor vehicle.
We will only accept receipts/invoices from a reputable garage ie. VAT registered or approved by an accredited automotive organisation.
When your claim is accepted, we will confirm your claims settlement value.
You must report a claim within 31 days of the damage occuring.
You must pay the first part of each and every claim, this is your policy excess and is set to £50.00.
To make a pothole claim, go to: https://mbginsurance.co.uk/claims/

⚡Claims Limits

Claims are limited to set totals per section and up to a maximum of £2,000 during the period of insurance.

Just In Case!

"to be prepared for something that may happen"