Motorcycle Articles

No one wants to ever have to make a motorbike insurance claim – it can be a distressing time making it easy to get confused. However, it’s important that you stay calm and report the claim to your insurance provider as soon as possible. Most companies will have a 24-hour claims phone number allowing you to report all the important information right away. It’s vital that you’re as honest as possible in this first report – if your insurance company finds that you were dishonest in any way it may potentially void your insurance cover.

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.

Once your claim is processed and approved, your insurer should give you details of how and where any repairs are to be carried out. Most insurers will have a list of pre-approved garages in your area that can carry out these repairs. You will be required to pay out any excess that you have written into your policy, with your insurance provider covering the remaining amount. In some cases you may also be eligible to a hire motorcycle, though you will need to check the small print of your particular policy.

When it comes to motorbike insurance, each insurance provider can have varying ways of processing claims. When choosing which motorbike insurance company to go with, be sure to check their small print on how they deal with claims. It will give a good indication on how easy or difficult it is to make a claim through them, and will also give you some idea of how the company treats its customers in general. Try to use a motorbike insurance comparison engine to get quotes from multiple companies at the same time, and so give you access to their terms and conditions all in one place. Additionally you could well benefit from a cheaper insurance quote!

You can compare multiple motorbike insurance quotes by filling out one simple form at motorbike insurance online, where you can also find lots more information on bike insurance and how to find the best deals.

Dec182010

Tags: bike insurance, insurance, motorbike insurance, motorbikes, motorcycle insurance, Motorcycles

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