Motorcycle accident claims FAQ


Do I need to make a motorbike accident claim on my own insurance policy?

Do I always have to pay my excess?

Would I receive a replacement motorbike?

Could I have a replacement car instead of a motorbike?

What cost is there to me?

My motorbike accident happened several months ago, can I still make an injury claim?

Can I choose where my motorbike gets repaired?

Who pays for the services?

What does *no win no fee actually mean?

Will you deduct fees from my compensation claim settlement?

What does split liability mean?

Will I have to go to court?

What does non-fault accident mean?

I have split liability, can I still claim for my injury?

Can I claim for loss of earnings after my motorbike accident?

Where can I get further advice about a motorbike accident claim?



Q: Do I need to make a motorbike accident claim on my own insurance policy?

A: No, if you have a non-fault accident we can deal with the other drivers insurance company directly without you having to make a motorbike accident claim on your policy. We can advise your insurance company on your behalf about the accident for information purposes only.

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Q: Do I always have to pay my excess?

A: No. If your accident was not your fault, we may be able to deal with your claim for you and you will not have to pay any excess because we and our partners recover the costs associated with your accident directly from the at-fault party's insurer on your behalf.

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Q: Would I receive a replacement motorbike?

A: Yes. As with all of our vehicle claims, we will source a replacement motorbike that is as close as possible to the engine size and type that you currently use.

This enables you to get on with your daily routine with the minimum of fuss.

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Q: Could I have a replacement car instead of a motorbike?

A: Yes, we may be able to offer you a car if you have a full UK driving licence. If you would prefer to have a car instead of a motorbike or you have an injury that could make riding a motorbike difficult, we can arrange for you to have a replacement hire car instead.

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Q: What cost is there to me?

A: If you are not responsible for the accident, our services will not cost you anything. Because we and our partners recover the costs directly from the at-fault party's insurance company on your behalf, you will not have to pay any costs whatsoever for our services.

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Q: My motorbike accident happened several months ago, can I still make an injury claim?

A: Yes. A person can make a personal injury claim up to 3 years from the date of the motorbike accident occurring, please contact us for more information.

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Q: Can I choose where my motorbike gets repaired?

A: Yes. Our customers are able to use a motorcycle repairer of their own choice. So if you know a good local repairer we can arrange for your bike to be repaired by them and the cost of repairs would be recovered by us on your behalf from the at-fault party's insurer.

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Q: Who pays for these services?

A: We and our partners recover the costs directly from the at-fault party's insurers on your behalf.

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Q: What does *no win no fee actually mean?

A: Put simply, if we do not win your case you will not have to pay the lawyer’s fees. If you have arranged and agreed to a fee with your lawyer due the complex nature of a claim, or if we win your case, your lawyer will have already discussed and agreed with you in advance an appropriate amount to come from your compensation settlement to cover their legal costs. This amount is capped by law at a maximum of 25% of the total amount awarded to you.

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Q: Will you deduct fees from my compensation claim settlement?

A: If we do not win your case you will not have to pay the lawyer’s fees. If you have arranged and agreed to a fee with your lawyer due the complex nature of a claim, or if we win your case, your lawyer will have already discussed and agreed with you in advance an appropriate amount to come from your compensation settlement to cover their legal costs. This amount is capped by law at a maximum of 25% of the total amount awarded to you.

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Q: What does split liability mean?

A: Split liability means that the reason why the motorbike accident occurred was partly your fault and partly the fault of the other person (or persons) involved.

So for example if it was decided that you and the other person were equally responsible, then your insurer would be responsible for 50% of the other persons costs and they would be responsible for 50% of yours, i.e. the liability would be split 50/50.

If you believe you have a split liability claim we may still be able to help you, so please contact us for more information.

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Q: Will I have to go to court?

A: In the majority cases the liability will be settled between ythe solicitors we work with and the at-fault party's insurers. Liability will only need to be established in court in instances where the circumstances are complex or the liability cannot be agreed upon.

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Q: What does non-fault accident mean?

A: This simply means that you were not responsible for causing the accident.

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Q: I have had a split liability car accident, can still I claim for my injury?

A: Yes, you may be able to claim for the proportion you are entitled to. Call us on 02392 484 244 for free advice.

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Q: Can I claim for loss of earnings after my motorbike accident?

A: Yes, in the event of a non-fault accident the solicitors we work with may be able to help you recover your lost earnings.

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Q: Where can I get further advice about a motorbike accident claim?

A: If you need free advice regarding your accident claim please contact us on 02392 484 244 and we will be happy to help in any way we can.

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*Once the solicitor has accepted your case, they will clearly explain how the process works, advise you of your options and any other costs that could be payable in your particular situation. More..


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