A recent report from Admiral Car Insurance has highlighted a 62% surge in pothole-related insurance claims over the past two years, prompting calls for increased action on road maintenance across the UK.
The data shows that claims in 2024 were 14% higher than in 2023, which had already been a record-breaking year.
The increase in claims has been attributed to adverse weather conditions, including storms such as Henk, Kathleen, Bert, Conall, and Darragh, which have exacerbated road damage.
GBNews reports that the data indicates that 2024 saw the highest number of pothole-related claims in nine years, with a 175% rise in such claims since 2016.
Government data shows that poor weather and heavy rainfall, combined with flooding caused by recent storms, have accelerated the deterioration of road surfaces. In response to growing concerns, the government has committed £500 million to local road maintenance for the 2025-26 period.
Admiral’s analysis reveals that pothole claims follow a clear seasonal trend, with 36% occurring between January and March. March alone accounts for 12% of all pothole-related claims annually. The winter months see the highest frequency of claims, which is likely due to the freeze-thaw cycle causing water to expand in road cracks, leading to potholes.
Adam Gavin, head of claims at Admiral, explained the risks associated with potholes. Driving over a pothole, even at low speeds, can cause damage to tyres, alloy wheels, suspension, and steering alignment.
“If the steering is severely damaged it can also make it difficult to control the vehicle, which could increase the risk of accidents,” he said. “If you think you’ve hit a bad pothole, get out and check for damage at the safest opportunity. Take photos of the pothole and the damage to your car and consider taking your vehicle to a mechanic to check for damage.”
Admiral has issued guidance for motorists seeking compensation for pothole-related damage. Drivers are encouraged to gather evidence, including photographs of the pothole, the time and date of the incident, and a written mechanic’s report detailing the damage.
Motorists must then identify the authority responsible for maintaining the road, which is typically the local council for B roads, smaller A roads, and local streets.
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