Finder makes money from featured partners, but editorial opinions are our own.

Claiming pothole damage

In most cases, car insurance does not cover pothole damage to tyres. However, other damage may be covered.

We checked the product disclosure statement (PDS) for 10 different comprehensive car insurance policies, none cover pothole damage to tyres. Our research looked specifically at pothole damage and tyre damage. In all cases, tyre damage was listed as an exclusion. In some cases, pothole damage to other parts of the car (excluding tyres) could be covered under loss or damage.

Keep in mind, given that no one else can be held accountable for the damage, it's likely that you'd have to pay an excess if the insurer did decide to approve your claim.

Will car insurance cover pothole damage?

Our insurance experts went through the product disclosure statement for 10 different providers and looked at how each insurer treats damage as the result of a pothole. Our findings are summarised below.

ProviderIs pothole damage covered?
Budget DirectTyre damage as the result of a pothole will not be covered, however more extensive damage to the car may be eligible for cover under loss or damage.
YouiTyre damage is not covered.
RollinTyre damage is not covered.
QantasTyre damage is not covered.
BingleTyre damage is not covered.
Australia Post Tyre damage is not covered unless it's caused by an incident which they've agreed to cover.
QBETyre damage is not covered unless it's caused by an incident which they've agreed to cover.
KoganTyre damage is not covered unless it's caused by an incident which they've agreed to cover.
AAMITyre damage is not covered.
NRMATyre damage as the result of a pothole will not be covered, however more extensive damage to the car may be eligible for cover under loss or damage.

This research is accurate as of December 2023. Our sources include product disclosure statements, information on provider website pages and online chats used on provider websites.

Why you can trust Finder's car insurance experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching car insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
Peta Taylor's headshot
Written by

Associate publisher

Peta Taylor is an associate publisher at Finder, specialising in car insurance. She's been analysing product disclosure statements and publishing articles for car insurance for over a year. Peta has a Bachelor of Communications and Media Studies with a Major in Marketing from the University of Wollongong and a Cert IV in Media Journalism. Peta is part of Finder's car insurance awards team and works alongside editorial and insights experts to bring drivers the best in car insurance products every year. See full bio

More guides on Finder

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site