Had an accident? Just give us a call and we’ll do the rest
Our expert claims handlers will help you every step of the way … ensuring your claim is handled as quickly and efficiently as possible. Call 01704 730 182 to speak to our claims team.
If you are aware of any accident or loss involving your motorcycle by you or a third party, you must report it to us as soon as possible. All accidents, thefts, attempted thefts and malicious damage incidents should be reported - even if you are not going to make a claim.
You should still report the accident to us. If you have legal expenses cover, a solicitor will then be instructed to act on your behalf. They will attempt to claim compensation from the negligent third party for any injuries sustained and any other uninsured losses.
Once you have reported a claim, your insurer, solicitor and repairer will be instructed.
Your insurer should deal with all claims (theft or accident related), swiftly and efficiently. In cases of theft they will try to recover your motorcycle, which may result in the claim taking a little longer.
If your motorcycle is recovered damaged (as a result of the theft or attempted theft), the repair cost will be covered by your policy - unless you have Third Party Only cover.
You will have to contribute any policy excesses that apply to your motorcycle insurance for any authorised replacement or repair costs.
This will depend on how the claim is settled and the insurance cover you have; but in general …
No - if your insurer recovers the cost of the claim from the third party.
No - if your insurer is unable to recover the cost of the claim from a third party; but you have protected NCB.
Yes - if your insurer is unable to recover the cost of the claim from a third party and you have no bonus protection.
An uninsured loss is any loss that is not covered by your motorcycle insurance policy. These can vary (depending on the level of your cover); but can include …
(i) the cost of repairing your vehicle (ii) personal injury damages (iii) medical fees (iv) damage to personal belongings (v) vehicle hire charges and any out of pocket expenses
Theft, attempted theft, malicious damage / vandalism and any accident involving an injury must be reported to the police. Please make a note of the crime reference number as you may be asked for it when contacting the motorcycle insurance claims helpline.