It’s frustrating enough when you cause damage to your vehicle, leaving you with costly consequences. However, when damage is dealt to your car, and it’s out of your hands, it feels unjust to have to pay to return the vehicle to its natural state.

This is especially true at a time of increased cost of living and higher car insurance premiums when every penny counts more than ever. Here at Insurance Revolution, we understand the importance of saving money on your insurance, even more so during a cost-of-living crisis.

From damage due to a dodgy, pothole-plagued road or by overgrown nature impeding driver safety, there are several ways damage can be caused to a car which is completely out of the driver’s control.

Methodology

To explore this further, we sent FOI (Freedom of Information) requests to the councils of the 50 largest UK cities by population.

We requested information such as the number of successful and unsuccessful claims made throughout the past financial year (April 2021-April 2022); we also requested the total amount paid out to successful claimants throughout this time period.

We explored any damage caused by overgrown plants that haven’t been trimmed, failure to maintain missing or damaged traffic signals or other traffic signs, uncorrected potholes, excessive oil or gravel, and faded paint markings such as the centre or road edge line markings.

What are your rights when claiming unjust damage?

As this aspect of driving remains fairly unknown to some drivers, we’d like to remind you of your rights if your vehicle is damaged beyond your control.

Drivers can claim directly from their council if they feel the road conditions have damaged their vehicle.

Claimants will have to contact their council to report the damage, how it was caused, and why they think the council is responsible, along with information such as the date, time, and location of the incident.

However, drivers should keep in mind that any damage caused by the debris of another car is not eligible for compensation from the council. Information regarding how you can get in contact with your council and further details can be found on the Government website.

 

Successful claims

If a claim is successful, you can expect a payout from the council compensating you for unjust damage caused to your vehicle. Claims may vary depending on the damage dealt to the vehicle.

By sending FOIs to councils, we were able to retrieve data regarding the number of successful claims for vehicle damage.

The ten cities with the highest number of successful claims made against their council were:

The data collected found that Manchester is ahead by some distance, with 181 successful claims made in the last financial year. This is a staggering statistic compared to other UK cities, with Manchester being the only city with over 100 successful claims.

Five locations also had zero successful claims in this time period. These cities included Islington, Sunderland, Birkenhead, Reading, and Newport.

The ten cities with the lowest amount of successful claims made for damage were:

Of the ten cities listed with the lowest number of successful claims, Plymouth City Council and West Northamptonshire Council were two of four councils subject to only one successful claim across the past financial year.

It’s also important to note that some councils do not record and keep the data on successful claims, therefore any data from Leeds City Council, London Borough of Bexley Council and Mansfield District Council has not been included in this analysis.

Unsuccessful claims

If a claim is unsuccessful, you will be alerted and no further action will be taken, therefore no compensation will be awarded.

By submitting an FOI, we were able to retrieve data regarding the number of unsuccessful claims made across the 50 largest UK cities.

The ten cities with the highest amount of unsuccessful claims made against their council were:

Manchester, which ranked first for the most successful claims, also ranked second in unsuccessful claims with 269.

The data collected found that, shockingly, Glasgow leads the way by over 1000 claims with a total of 1240 claims throughout the past financial year. Manchester, which ranked first for the highest amount of successful claims, also ranked second with 181 unsuccessful claims.

The ten cities with the lowest amount of unsuccessful claims made were:

Birkenhead and Newport topped the list with the lowest number of unsuccessful claims (2). Birkenhead received no successful claims, meaning they weren’t required to pay out any money for unjust damage caused to vehicles.

Sutton had 15 unsuccessful claims and five successful claims, meaning there was a 75% chance of having a claim rejected across the past financial year. Not included in this ranking is Sunderland, which had 60 unsuccessful claims and 0 successful claims.

Amount paid out to claimants

As we’ve analysed the cities with the highest and lowest number of successful and unsuccessful claims, it’s intriguing to also explore the total amount paid out to claimants for damage caused to vehicles that wasn’t the driver’s fault.

Again, it’s important to note that the amount awarded to claimants may vary depending on the total damage done to the vehicle.

The five cities with the largest amount of money paid out to claimants were:

The information gained from the FOI requests revealed that Manchester City Council paid over £1 million to successful claimants between April 2021 – April 2022, twenty times more than Birmingham, which ranked second with over £53,000 paid out to claimants.

The councils that paid nothing due to having no successful claimants were Sunderland City Council, Wirral Borough Council (Birkenhead) and Reading Borough Council.

The five cities that paid out the least to successful claimants were:

Northampton topped the list with the lowest amount paid. The council paid £158.49 to one successful claimant, whilst Crawley paid a total of £822.72 to three successful claimants, highlighting how the amount paid out can vary from claim to claim.

Overall, analysing data sourced through requesting FOIs regarding successful and unsuccessful claims has been an eye-opening insight into the number of claims made in different parts of the UK. It also showcased the staggering amount paid out in cities such as Manchester and Glasgow.

It’s important to remember your rights as a driver if you’re damaged by potholes, faded paint, or overgrown plants and how you can claim compensation.

If you’re looking to purchase a car and require insurance, look no further than Insurance Revolution. Our specialists are on hand to provide you with any advice you need to ensure you get the best deal on your insurance.