diff --git a/codec_record.go b/codec_record.go
index 9638a709..dd2edfd7 100644
--- a/codec_record.go
+++ b/codec_record.go
@@ -172,9 +172,14 @@ func encoderOfStruct(cfg *frozenConfig, schema Schema, typ reflect2.Type) ValEnc
 		}
 
 		defaultType := reflect2.TypeOf(def)
+		defaultEncoder := encoderOfType(cfg, field.Type(), defaultType)
+		if defaultType.LikePtr() {
+			defaultEncoder = &onePtrEncoder{defaultEncoder}
+		}
+
 		fields = append(fields, &structFieldEncoder{
 			defaultPtr: reflect2.PtrOf(def),
-			encoder:    encoderOfType(cfg, field.Type(), defaultType),
+			encoder:    defaultEncoder,
 		})
 	}
 	return &structEncoder{typ: typ, fields: fields}
diff --git a/encoder_record_test.go b/encoder_record_test.go
index 73c28e4b..1aba99bc 100644
--- a/encoder_record_test.go
+++ b/encoder_record_test.go
@@ -139,6 +139,42 @@ func TestEncoder_RecordStructPartialWithNullDefault(t *testing.T) {
 	assert.Equal(t, []byte{0x00, 0x06, 0x66, 0x6f, 0x6f}, buf.Bytes())
 }
 
+func TestEncoder_RecordStructPartialWithSubRecordDefault(t *testing.T) {
+	defer ConfigTeardown()
+
+	_, err := avro.Parse(`{
+		"type": "record",
+		"name": "test",
+		"fields" : [
+			{"name": "a", "type": "long"},
+			{"name": "b", "type": "string"}
+		]
+	}`)
+	require.NoError(t, err)
+
+	schema := `{
+		"type": "record",
+		"name": "parent",
+		"fields" : [
+			{
+				"name": "a",
+				"type": "test",
+				"default": {"a": 1000, "b": "def b"}
+			},
+			{"name": "b", "type": "string"}
+		]
+	}`
+	obj := TestPartialRecord{B: "foo"}
+	buf := &bytes.Buffer{}
+	enc, err := avro.NewEncoder(schema, buf)
+	require.NoError(t, err)
+
+	err = enc.Encode(obj)
+	require.NoError(t, err)
+
+	assert.Equal(t, []byte{0xd0, 0xf, 0xa, 0x64, 0x65, 0x66, 0x20, 0x62, 0x6, 0x66, 0x6f, 0x6f}, buf.Bytes())
+}
+
 func TestEncoder_RecordStructWithNullDefault(t *testing.T) {
 	defer ConfigTeardown()
 
@@ -410,6 +446,43 @@ func TestEncoder_RecordMapWithDefault(t *testing.T) {
 	assert.Equal(t, []byte{0x36, 0x06, 0x66, 0x6f, 0x6f}, buf.Bytes())
 }
 
+func TestEncoder_RecordMapWithSubRecordDefault(t *testing.T) {
+	defer ConfigTeardown()
+
+	_, err := avro.Parse(`{
+		"type": "record",
+		"name": "test",
+		"fields" : [
+			{"name": "a", "type": "long"},
+			{"name": "b", "type": "string"}
+		]
+	}`)
+	require.NoError(t, err)
+
+	schema := `{
+		"type": "record",
+		"name": "parent",
+		"fields" : [
+			{
+				"name": "a",
+				"type": "test",
+				"default": {"a": 1000, "b": "def b"}
+			},
+			{"name": "b", "type": "string"}
+		]
+	}`
+
+	obj := map[string]any{"b": "foo"}
+	buf := &bytes.Buffer{}
+	enc, err := avro.NewEncoder(schema, buf)
+	require.NoError(t, err)
+
+	err = enc.Encode(obj)
+	require.NoError(t, err)
+
+	assert.Equal(t, []byte{0xd0, 0xf, 0xa, 0x64, 0x65, 0x66, 0x20, 0x62, 0x6, 0x66, 0x6f, 0x6f}, buf.Bytes())
+}
+
 func TestEncoder_RecordMapWithNullDefault(t *testing.T) {
 	defer ConfigTeardown()