Motorbike Insurance Claim for Convicted Drivers

Motorbike Insurance Claim for Convicted Drivers

Having to make a motorbike insurance claim following an accident is never an ideal situation to be in – it can be a confusing and stressful time, making the start of the claims process difficult. However if you make yourself aware of the steps involved early on it can make things much easier on you in the unfortunate event of a motorcycle accident.

Your first point of contact will be through your insurance provider’s claim line. Many companies will have a 24 hour telephone line you can ring to report your accident at any time of day. You will need to provide your personal details to identify yourself and help the claims representative locate the details of your insurance policy. Ideally you should have your policy number to hand, as this greatly speeds up the process of establishing your policy with the motorbike insurance provider. As long as there are no problems and payments are up to date, your claim can advance to the next stage.

You will need to check that the particular accident you’ve had is covered by your level of insurance cover. There are 3 standard levels of motorbike insurance cover – fully comprehensive, third party fire and theft and third party only. The latter will only cover the cost of any damages incurred by third parties involved in the accident. Insurance that only includes third party cover will do just that – cover the costs of any third party damage due to your accident. You will not be reimbursed for costs to your own vehicle or property. It is usually far more beneficial, though slightly more expensive, to have fully comprehensive insurance. In this case your insurer will cover the costs of all parties involved in the motorbike accident.

Completion of your motorbike insurance claim involves declaring all details of your accident to your insurance provider. This includes details such as the date and time of the incident, the location and details of the various parties involved (if any). Details of any witnesses who have come forward would also be good to include as it can help to speed up the claim process.

If and when your claim is approved, your motorbike insurer should provide you with details of how to go about getting repairs made and replacements purchased. Many insurers have a list of approved garages that are eligible to carry out repairs, with some perhaps even supplying a hire motorcycle. Many policies also include a level of voluntary and/or involuntary excess that you will be required to pay towards the costs of damages, while your insurer will then cover the remaining costs.

When looking at which bike insurance provider to go with, it’s important to check how each company process insurance claims so as to gauge whether they’re the right fit for you. Different insurance providers can have different processes and requirements when processing claims, and as a potential policy holder this can tell you a lot about how you would be cared for as a customer.