A blind man (or woman) with no arms could fix the potholes better than the approved council contractors for my area! The potholes are back in weeks on many occasions and the contractors couldn't give a monkey's about their work.
After 50 years in the building trade, I know what should be done to fix the potholes, but the contractors just bodge them up and bugger off. I bet their insurance would find a way of not paying if I damaged my car because of their bad work as well, so what is the point of using insurance as an excuse for stopping people fixing them themselves?
Just my two pence worth.