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Accidents & Claims

If you’ve had an accident:

• Call 999 (or 112) If anyone has been injured, if there is any form of immediate danger, if a third party leaves without stopping or you suspect they are under the influence of alcohol.

• Do not admit liability or accept any blame for the incident or offer to pay for any damage.

• Gather as much information as possible from everybody involved and try and find witnesses. Jot down phone numbers, license plates, time, date, names, numbers and insurance details (the other driver must give you their insurance policy details by law).

Also write down information regarding speed limits and weather.

• Take photos of the vehicles involved including your own
• Make a sketch of the road layout and where everyone was at the time of the incident
• Inform your insurer.

If your bike has been stolen

• Submit your claim as soon as possible. Information needed by your insurer includes year, make model and mileage of your motorcycle, location it was stolen from, date and time it was stolen, and police report number. All theft claims require a police report to be filed.

• How long will it take to finalise the claim? Theft claims can take time to process. For one, the insurance company if hopeful police will recover your stolen bike. A standard allotted time for recovery is 30 days.

• How will your insurance company calculate your payout? Insurance companies use valuation lists to decide on a motorcycle values and subsequent payments.

Unless you agreed the value of your motorcycle with the insurer (called agreed value insurance) before you initiated the policy you will be offered a sum of money sufficient to replace your motorcycle with one of the same age in average condition with average mileage (minus any excess).

If your bike is in mint condition with low mileage be sure to inform your insurer before you take out a policy.

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