Motorbike Claims Guide
If you’re involved in an accident, the most natural reaction is to be upset and angry. Although it might be the last thing on your mind at the time of the accident, it’s important to note down as many details as you can so that you can make an insurance claim as soon as possible.
One of the best things to do to keep yourself protected and prepared in the event of an accident or damage to your motorbike is to take photographs of your insurance information on your phone, or to store a digital copy of your policy in your emails – that way, you can access the relevant phone numbers and reference numbers at the scene to get the ball rolling as soon as possible.
Making a motorbike insurance claim
When the accident or damage occurs to the motorbike, document as much detail as you possibly can. If appropriate, take photographs and if you don’t have a camera, draw a diagram. Take note of any and all damage to the motorbike and if anyone has sustained injuries, document those too. Provide as much detail as possible, even if it seems unnecessary – every little piece of information could help back up your claim.
Whilst still at the scene of the accident, don’t admit any liability or offer to make any payments. Simply exchange details with the individual or individuals involved in the incident and give us a call on our claims line for advice on what to do next.
Reporting the accident
You should report the accident as soon as reasonably possible. If the police are involved, this will usually be within the first day or two following the accident. Whatever the circumstances, the sooner you get in touch with Devitt, the sooner we can help.
Call our Claims Line on 0345 872 3611 and a member of our friendly team can provide you with the impartial, jargon-free advice you need to make your claim.
What details do I need to provide when making a claim?
Details you’ll need to take:
- Third party details of any individuals involved in the accident or incident. Note down their name, address, contact information, registration number, the number of passengers in the vehicle and the details of their insurer. If they are reluctant to give you that information, or if they “hit and run”, take down their registration number. That way, you can at least give that information to the police should it be necessary.
- Details of any witnesses present. This is important especially if there are any uncertainties over who is at fault. Ask for their name, address and telephone number
- If police are present at the scene, take down the officer’s badge and number, as well as the incident (crime reference) number so that you can pass that information onto us.
What to do if you have a motorcycle accident
No one wants to be involved in a motorcycle accident or any kind of accident for that matter but this doesn’t mean it isn’t something we shouldn’t think about and be cautious of.
So, we’ve put together a handy video-graphic to explain exactly what you need to do should you ever be involved in such an unfortunate event.
What to do first?
Are you okay? If you’re injured or are feeling unwell then make sure you seek medical attention straight away!
Being involved in an accident in something no one wants to experience but the most important thing if your well-being. If you fear your health is in danger and have access to a phone or can see people nearby then be sure to call for help.
If you’re feeling okay then the next steps…
Document all details:
It’s extremely important to take notes at the scene of the accident. If you have everything written down along with photographic evidence (if possible) then this will help you considerably when you go to make a claim. You’ll have everything read and organised in one place… after all you can’t go back to the scene!
Take photos of:
- Your bike
- Other vehicles involved
- The surroundings
- The setting
- The road
Take notes of:
- Damages to the vehicles involved
- Injures of those involved
Collect third party details:
- Contact information
- Number of passengers
- Their insurer
- You must also be able to provide the above information to anyone else involved
It’s also a good idea to take the contact details of any witnesses present, this will help in investigation who is liable for the accident.
Are there any police present? If so, take a note of their badge number.
You are not required to admit any liability, wrong doing or to make any payments… so don’t!
Report the accident:
Report the accident to your insurer as soon as you can and make sure you have your documentation to hand with all the necessary information such as your registration and reference number.
Are you a car driver? Remember to always think bike!
- At junctions
- While changing lane (check your blind spots)
- When turning
- When pulling away
- While opening your car door
Compensation… what’s considered?
- The severity of your injury
- Expenses suffered due to injury
- Damage to your vehicle or possessions
- Duration of injury
It was very helpful to look on your…