Motorbike insurance – don’t lose your no-claims bonus after an accident


If you have a motorbike accident and it was your fault, it would be reasonable to expect that the resulting claim on your insurance would mean you lose part of your no-claims bonus.

However, does it seem right that you should also lose it if the accident was not your fault? We don’t think so either.

Unfortunately as far as your insurer is concerned, your ‘no-claims’ bonus is not generally viewed as ‘no-blame’ bonus.

Call 02392 484 244 and we will be happy to help you make your claim independently of your insurer so you do not have to make a claim on your policy.


How can I make an accident claim, without a claim on my insurance?

Our non-fault claims service helps thousands of people every year make their accident claims independently of their insurers. We deal directly with the insurer of the person at-fault for the accident so you do not have to make a claim on your own insurance policy.

We will notify your own insurer ‘for information purposes only’ as required by the terms of your policy, but because they do not handle the claim your no-claims bonus should not be affected and you will not have to pay the excess on your policy.


Get the assistance you need

As we are not restricted by the terms of your insurance policy, it enables us to give you the full level of assistance that you are entitled to by law.

All the benefits of our service are show clearly below, with all costs being recovered directly from the at-fault driver’s insurer.

  • You do not have to make a claim on your own insurance policy

  • You will have no excess to pay

  • Your no-claims bonus on your policy should not be affected

  • You are provided with a like-for-like replacement motorbike or you may be entitled to a hire-car (if you have a full current licence) to use for the duration of the repairs to your own vehicle

  • The damage to your motorcycle is assessed by an independent automotive engineer

  • If your motorcycle is deemed to be a total loss or ‘write off’, you can use your replacement for up to 7 days after you receive your total-loss settlement cheque

  • We deliver your replacement vehicle typically within 3 hours of accepting your claim

  • We will arrange for your motorcycle to be repaired at one of our network of approved accident repair centres or at repairer of your own choice

  • We can arrange legal assistance for the recovery of expenses, lost earnings or a claims for a personal injury

  • Help and advice is provided with your claim from our friendly UK based team



To make a claim independently of your insurer, call us 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