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Pothole Insurance

Potholes can be unavoidable, expensive repair bills don’t have to be.

Get specialist pothole protection for your vehicle with annual cover from just £37.40!

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What is pothole insurance?

What are the coverage limits of ALA Pothole Insurance?

What is pothole insurance?

Pothole Insurance is a specialist policy designed to cover damage to your vehicle caused by hitting a pothole on UK roads.

This policy provides cover for a range of common pothole-related repairs, including:

  • Tyre damage
  • Cracked or damaged alloy wheels
  • Wheel alignment and balancing
  • Suspension damage
  • Bodywork and paint damage
  • Headlight damage

The policy covers up to £2,000 per year, helping you avoid unexpected repair bills after pothole incidents.

What are the coverage limits of ALA Pothole Insurance?

  • Up to £200 per tyre (£600 total per year)
  • Up to £250 per wheel (£500 total per year)
  • Up to £150 for wheel alignment/rebalancing
  • Up to £500 for suspension repairs
  • Up to £250 for bodywork, paintwork and headlight replacement
  • Policy term: 12 months
  • Renewable annually

Excess: £50 per claim.

Common pothole damage includes:

Common pothole damage includes:

  • Punctures and tyre blowouts
  • Cracked alloy wheels
  • Bent rims
  • Suspension wear and failure
  • Steering misalignment
  • Bodywork damage

Poor road surfaces can appear suddenly and are often difficult to avoid safely, particularly at night or during wet weather.

The AA have quoted that they had 613,638 pothole related callouts in 2025.

For many drivers, pothole damage is not a matter of if, but when.

What are the benefits of pothole insurance from ALA?

Avoid expensive repair bills

Modern vehicles are more vulnerable than ever to pothole damage, especially cars fitted with larger alloy wheels and low-profile tyres. A single pothole impact can easily cost hundreds of pounds to repair.

Pothole Insurance helps reduce the financial impact of unexpected damage.

Protect your no claims bonus

Making a pothole related claim on your main motor insurance could affect your no claims discount or future premiums. Pothole Insurance provides dedicated cover specifically for pothole damage.

Affordable annual protection

With cover available for a maximum selling price of just £37.40 per year, you can gain valuable protection for less than the cost of many individual repairs.

Coverage for multiple types of damage

Potholes can affect more than just tyres. This policy can also help with damage to:

  • Wheels and alloys
  • Suspension components
  • Vehicle alignment
  • Paintwork and body panels
  • Headlights

UK wide cover

You’re covered throughout England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man.

Policy Documents

Policy Wording IPID

Pothole Insurance FAQ

What does the policy cover?

The policy covers pothole-related damage to your vehicle’s:

  • Tyres
  • Wheels
  • Suspension
  • Wheel alignment/rebalancing
  • Bodywork and paintwork
  • Headlights

Cover is subject to the policy terms, conditions and limits.

Is my policy protected?

Our underwriters for this Pothole policy and ALA Insurance are fully authorised and regulated by the Financial Conduct Authority (FCA) and your policy is covered by the Financial Services Compensation Scheme.

How much cover do I get?

You can claim up to a maximum of £2,000 during the policy period, including:

  • £200 per tyre
  • £250 per wheel
  • £150 wheel alignment
  • £500 suspension damage
  • £250 bodywork/headlights

How long does the policy cover me for?

The policy lasts for 12 months and can be renewed annually.

Is there an excess to pay on claims?

Yes. There is a £50 excess per claim.

What will I need to make a valid claim?

You’ll typically need:

  • Photos of the pothole
  • Photos of the damage
  • Date and location of the incident
  • Repair invoice/receipt
  • Evidence the pothole was reported to the relevant highway authority

Is this a pay and claim policy?

Yes. Repairs must be paid for upfront, and valid receipts/invoices submitted as part of your claim.

 

What vehicles are covered under this policy?

Cover is available for many vehicle types, including:

  • Private cars
  • Business cars
  • Commercial vehicles up to 3.5 tonnes
  • Motorhomes up to 3.5 tonnes

Please refer to the policy wording for full eligibility details.