Your handy guide to making an easy motorcycle claim

Needing to make a claim can be stressful so when something goes wrong, we understand you want to get things back to normal as quickly and as easily as possible.

Your handy guide to making an easy motorcycle claim

First, make sure you’re in safe place. Then get as much information as you can – it’ll help us to sort your claim out sooner if you can tick off the following:

  • The other party’s name, address, telephone number and insurer – plus their policy number if they know it
  • Their registration number, as well as the make, model and colour
  • The weather conditions
  • Any injuries or damage to vehicles or property
  • Photos of damaged vehicles or property
  • The names and addresses of any witnesses
  • A rough sketch of the accident
  • If the police are called, ask for their reference number, station address and any helmet cam or video footage

Even if you’re not going to make a claim, give us a call to let us know what’s happened.

Your legal lowdown

If you’re in an accident and someone’s injured or there’s damage to a vehicle or property, you legally have to pull over and give your name, address and insurance details to the other people involved.

If there’s an injury or you don’t give your details at the scene, you have to report it to the police within 24 hours.

At the scene of the accident don’t:

  • Discuss whose fault the accident was
  • Apologise or admit any fault or liability
  • Forget to record any injuries or damage to vehicles or property

If your motorcycle needs fixing

If you’ve got comprehensive cover with us and your accident was in the UK, we’ll:

  • Arrange for your motorcycle to be seen at one of our partnership repairers
  • Fix your motorcycle if it’s cost effective
  • Collect and redeliver your motorcycle and get it back to you at a time that’s good for you

Whether you were to blame for the accident or not, you’ll need to pay your policy excess to our partnership repairer.      

If your motorcycle can’t be fixed

We’ll arrange for your motorcycle to be assessed by a qualified engineer. If it can’t be fixed, this may be for a number of reasons, including:

  • It’s impossible to repair
  • It isn’t safe to repair
  • The repair costs exceed the market value of your motorcycle

To get your settlement offer sorted as soon as possible, we’ll need your:

  • Certificate of motor insurance
  • Vehicle registration document
  • MOT test certificate
  • Spare set of keys
  • Receipt for your motorcycle purchase
  • Documentation such as service history or outstanding finance arrangements

If the accident wasn’t your fault

Not to blame for the accident? You’ll still need to pay your policy excess, but we’ll try and recover 100% of our costs for the claim. That way, you won’t lose your No Claims Discount.

There may be some things you can’t claim for as your policy with us doesn’t cover it. These are called uninsured losses. All is not lost though. If you’ve got a legal expenses policy, this may cover you or you may be able to recover these from the other person or their insurer.

Call the police and get a crime reference number, as we’ll need this to get your claim sorted. Then we’ll get to work and make you an offer for the market value of your motorcycle, so you can get back to normal.

If your motorcycle’s found – before or after you’ve made a claim – please get in touch with us so we can recover it.

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