Author Topic: Hertfordshire Highways insurance claim - wheel destroyed by pothole  (Read 132 times)

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Hello experts

On 21st Dec last year I hit a pothole that resulted in slow loss of air in one of the wheels.  The repair company informed me that the crack in the wheel was beyond the structural line and therefore a repair was no longer a safe option.

The pothole was not registered on Hertfordshire database so I submitted a report.  I also submitted a Highway insurance claim for cost of a replacement OEM wheel, referencing the pothole report.  The summary of my argument in the claim was:

  • the pothole was not clearly marked on the road
  • there is no street lighting
  • it is a high speed road (50mph)
  • the pothole position in the lane increases the chance of impact as it is directly under the passenger wheel
  • Hertfordshire County Council has been negligent in its duty under Section 41 of the Highways Act 1980 to maintain the highway in a safe condition for road users

Hertfordshire council's response below - TLDR; they won't pay as they believe all statutory inspections of the location have been undertaken, most recently before the incident on the 17 Dec.

I have an option to appeal within 4 weeks.  My layman instinct is to appeal on the basis their response is insufficient evidence, they must surely have to provide the full report of the inspection on 17 Dec including identified potholes and their locations and any decision made about the potholes.

Does anyone have experience making a successful claim against a council?  Or guidance on how to structure a successful appeal?

Quote
Thank you for completing the Hertfordshire Highways Incident Report Form and we are sorry that you have had cause to seek compensation. I can confirm we have investigated this matter.
It is not always the case that someone is to blame as a result of a defect being present and does not automatically make the Council, as the relevant Highway Authority for Hertfordshire County Council liable for any damage sustained as a result of it. For a claim to be successful it is necessary to show that the Council has failed in its duty to maintain the highway
The Highways Act 1980 requires that as the Highway Authority, the County Council maintain all roads under its jurisdiction.  Inspections are therefore carried out at regular intervals, although the frequency depends upon the type of road.  After checking with our highway records we can advise that at this location, inspections are carried out Monthly.
All statutory inspections of the location have been undertaken; most recently the inspection undertaken before your incident took place on the 17/12/2025.
Hertfordshire Highways operates a robust maintenance policy and is responsible for managing and maintaining one of the busiest networks in the country. Further information regarding Hertfordshire County Councils Highway Maintenance Policy can be found on our website www.hertfordshire.gov.uk (defect management approach).
In view of the above we consider that the County Council has complied with our statutory duty as laid down in the Highways Act of 1980 (Section 58) and do not consider that there has been a breach of duty.  Given the above, I am unable to offer the compensation that you have requested.
If you wish to appeal against our decision, please write to our section with your reasons of appeal (an email will suffice).  Please do not reply to this email address, please send your appeal to insurance@hertfordshire.gov.uk.  We aim to provide a response to an appeal within 4 weeks, however during busy periods this may take longer.  Please note that we are only able to review your claim if you provide sufficient grounds for appeal and we refer you to further guidance and information provided further down within this email.

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Re: Hertfordshire Highways insurance claim - wheel destroyed by pothole
« Reply #1 on: »
They always fob you off first. Make an FOI demand for the inspection documentation. Do you have pictures of the pothole, the wheel, evidence that it is scrapped from the repair company? Make sure you have insurance documents, MOT, and everything in order on the vehicle as they won't pay out if you can't prove that, either.
« Last Edit: January 26, 2026, 12:41:52 pm by coffee pot »

Re: Hertfordshire Highways insurance claim - wheel destroyed by pothole
« Reply #2 on: »
Thanks @coffee pot.

Yes all docs are in order - pothole report ID (includes photos of the pothole), map of pothole location, photos of damaged wheel, email from the wheel specialist that a repair is not road safe due to crack extending beyond the structural line, quote for OEM replacement from manufacturer, insurance cert.  I have MOT too although I don't think Herts insurance claim form required that to be included.

Good suggestion, I'll make the FOI request and share results here.

Re: Hertfordshire Highways insurance claim - wheel destroyed by pothole
« Reply #3 on: »
Strange the Herts Highways found it necessary to inspect the pothole you highlighted and only a few days before. I can tell you Herts Highways said exactly the same to me when making a claim, the area had been inspected just days before.
as above a FOI (possibly under the Environmental section)
find out exactly what they looked at and when
Quote from: andy_foster
Mick, you are a very, very bad man


Re: Hertfordshire Highways insurance claim - wheel destroyed by pothole
« Reply #5 on: »
@mickR good to know this is par for the course!  FOI request submitted for the full report matching inspection date Herts Claims gave me.

@coffee pot Interesting article, although sadly I doubt will influence the outcome of my case.  The rate of deterioration and patching of potholes, at least in some areas of Herts, is going to mean a world of pain in the not too distant future when the council becomes overwhelmed by sheer amount of holes and will need to close of significant parts of the road network simultaneously for full surfacing.  It's just kicking the can down the road.