Bike Insurance: Make a claim

What to do if you need to make a claim

If you need to make a claim on your bike insurance, you can rest assured that we’ll endeavour to get it all sorted as quickly as possible. Just follow our simple guide to making a claim.


What should I do if I need to make a claim on my bike insurance?

Step 1: Get in touch We hope you’re ok.

This first step is to tell us all about it.

Call our claims team on: 0333 035 9003

Whether it’s your fault or not, whatever type of accident you need to report, our friendly team are on hand to help. Our claims line is open 24 hours a day.


What information will I need to make a claim?

Step 2: The details

When you call, please try to have the following information to hand:

  • Your policy details
  • Details of any other parties involved (registration, name, address, phone number)
  • Crime reference number (if applicable)
  • Details of any witnesses (if applicable)

It would also be useful if you could provide any photographs taken at the scene of the accident or of any damage to the vehicles involved.

Remember: You should not admit liability at the scene of an accident, until you’ve contacted your insurer.


What happens next?

Step 3: Let’s put it right

Don't worry, our dedicated team are on hand to make the process as straightforward as possible. We’ll quickly establish whether your bike is covered and who is responsible for the accident.

For accidents that are your fault, we’ll take some details and then put you directly in touch with your insurer, they’ll look after you from there. Our team will be able to handle the accidents where you aren’t at fault. We can arrange repairs, bike hire (with a similar vehicle) and injury claims where necessary.

FAQs - your questions answered

We will endeavour to get your claim settled as quickly as possible, our team should be able to give you some approximate timescales once they’ve taken all of your details.

Yes, but you’ll need to get an estimate and get it approved which could take some time. We’d recommend that you use one of our network of repairers, there’s likely to be at least one in your local area and you won’t have to get an estimate approved. This is because the repairers in our network have signed up to a range of service levels and provide guarantees on all work completed.

Most bike policies don’t provide a courtesy vehicle as standard.

A policy excess is the amount of money you agreed, when taking out your policy, to pay towards the costs of repairing your vehicle.

You have to pay the excess to the garage when your vehicle is repaired whether the accident is your fault or not, but you might be able to claim your excess back depending on the circumstances of your claim.

If the accident was your fault and you have our Excess Protection policy, you can make up to two claims for up to £500 each to refund the excesses you have to pay in the event of an accident, fire, theft or vandalism claim.

If the accident wasn’t your fault and you have bought our Rider’s Legal Protection policy, our solicitors will recover your excess along with any other out of pocket expenses from the responsible person’s insurance company. We will put you in touch with a solicitor who can arrange this for you when you call to make your claim.