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 UK 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 UK and its partners , no association or affiliation to any particular insurer is intended in any way, and your statutory rights are unaffected.