Motorbike accident claims – you don’t have to pay your excess


Even if you were not at-fault for the accident you were involved in, you will almost certainly still have to pay your full excess amount before your repairs are carried out.

It’s up to you. If your policy provides the legal cover and the assistance you require and you are not concerned about the effect your claim may have on your future insurance costs – you may choose to claim on you own insurance policy.

However using our alternative claims assistance allows you to get your vehicle repaired, a suitable replacement and legal assistance all without potentially losing your no-claims bonus and increasing the future cost of your car insurance.

Car Call independently help thousands of people every year avoid having to pay their excess by dealing with their accident claims independently of their insurers.


Why do I have to pay my excess if I am not at-fault?

Your motorbike insurance excess is used to help keep your insurance costs down by off-setting the amount your insurer has to pay out to resolve your claim.

Unfortunately however, this amount will be payable whether you are at-fault or not.

If you are not at-fault, you should be able to recover this cost at a later date, but it can take weeks or months to receive the refund, leaving you out-of-pocket for a significant period of time.


Independent claims assistance

We and our partners organise your repairs, provide you with a like-for-like replacement hire vehicle, arrange legal assistance and recover these costs directly from the at-fault driver's insurer on your behalf. Your insurer will be notified ‘for information purposes only’ as you are required to do, but they will not - and do not, need to assist with your accident.

This means that you don't have any excess to pay and your policy renewal costs should not be affected by your claim.


How we help with your accident claim

We and our partners offer the same comprehensive assistance package to every customer, regardless of their type of insurance cover. The benefits of our independent claims service are shown below: -

  • You will be provided with a like-for-like replacement motorcycle to use if yours is un-roadworthy and/or being repaired

  • Provided you have a full driving licence, we may be able to offer you a replacement car as an alternative

  • Your replacement vehicle will be delivered to your home or place of work, typically within 3 hours of starting your claim

  • Your motorcycle damage is assessed by an independent automotive engineer

  • Your repairs are carried out at an approved accident repair centre or a repair centre of your own choice

  • If you would like help to recover expenses, lost earnings or pursue a compensation claim for an injury - the solicitors we work with will be happy to help

  • All costs associated with the resolution of your accident claim are recovered directly from the at-fault drivers insurer on your behalf



To find out more about our service, call on 02392 484 244 and we will be happy to help.

Any policyholder can use this service, and it is your legal right to choose who repairs your vehicle. All assistance offered and information given on this page is provided by Car Call and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury