Motorbike insurance

To Claim call 0344 800 0988

The UK Claims Team is available 24 hours a day, 7 days a week

What to do if you have an accident:

  • If there are other people involved in the accident, check that they are ok and call 999 if anyone requires emergency assistance.
  • If safe to do so, make sure the scene of the accident is safe for other road users. Turn on your hazard lights to warn other road-users and if safe, try to remove any debris from the road.
  • Inform the police immediately if anyone has left the scene, as it is classed as an offence if you do not stop after an accident
  • Never admit liability, take the blame or offer compensation to other parties at the scene of an accident as without all the necessary facts, it could affect your insurance claim

Make sure you have the following information before you leave the accident scene:

  • Date, time and location of the incident
  • Details of the other party - name/address/contact telephone number/vehicle registration/insurance details
  • Name and contact details of any witnesses
  • Police details/crime reference number (if applicable)
  • Any other information that could prove to be helpful during the claims process, such as a photograph of the scene, or details of the road/driving conditions

Submitting a claim

  • Call our claims team on 0344 800 0988 within 24 hours of the accident

We will ask for some or all of the following details (in addition to those listed above) :

  • Your insurance details
  • Your location
  • What has happened?
  • How much damage is there to the motorbike?
  • Were there any pillion passengers?
  • Was a third party involved? If so, have you swapped details?
  • How much damage is there to the third party's vehicle?


  • Even if your bike isn't damaged and you are not injured, you still need to let us know about your accident. If something becomes apparent at a later date and you have not informed us at the time of the accident, your claim may be affected.
  • If you are a motorcyclist or pillion and have sustained injury as a result of an accident, ensure you get your injuries checked out by a doctor as soon as possible and be prepared to get a copy of your medical records as we may need to view them to process your claim.
  • Call us on 0344 800 0988 BEFORE you have any repairs made on your bike following an accident. We need to assess the damage and determine the best way to proceed.

What to do if your bike is stolen

  • Report the theft to the police and obtain a crime reference number. We won't be able to process your claim without this.
  • Call our claims team on 0344 800 0988 within 24 hours of discovering the theft
  • Your claims handler will then help you through the process.
  • If you have any photographs or documentation , particularly if you have modified your bike, these can help process your claim more quickly

Other Information

No Claims Discount (NCD):

  • When making a claim, your no-claims discount (NCD) may be affected. Your NCD could be re-instated if the incident in question is not your fault, and all costs are recovered by your insurer.


  • Details of your excess in the event of a claim will be in your policy schedule. This is an amount you agreed to pay when you took out your policy, as a contribution to the cost of the claim.
  • Your excess must be paid even if you weren't to blame for the incident, but you may be able to reclaim this amount, dependent on the circumstances of the claim - your claims handler will advise you on this.

Full details of what is and what isn't covered, and other important information can be found in your policy documentation.