Replacement Motorbike After An Accident
Replacement Motorbike After An Accident
Temporary replacement motorbikes are available after an accident or during mechanical repairs. ACC can provide a like for like replacement motorbike after a non fault accident for the rider to keep until their vehicle claim is settled. Riders are entitled by law to receive a cost-free temporary courtesy motorbike after an accident (or a courtesy car should they not be fit to ride). This is because through the use of Tort law, the full cost of the replacement motorbike is claimed directly from the negligent parties insurance company. ACC offer a courtesy motorbike and full motorbike claim service which can protect riders claim history and require no excess payment. To obtain a replacement motorbike during mechanical repair most insurers or insurance-based courtesy vehicles services will not be able to help. Therefore the best way to obtain a replacement motorbike or courtesy motorbike for use during a mechanical repair is to use a manufacturer-approved repair service.
Entitlement To A Replacement Motorbike
Motorbike riders are entitled to a courtesy motorbike or temporary replacement motorbike after an accident. The entitlement is a statutory right of any person involved in a non-fault road accident. The temporary replacement motorbike entitlement is for a comparable motorbike to the riders own motorbike. This is often referred to as a ‘like for like’ courtesy motorbike meaning the bike will be of the same size and type as the riders own motorbike. This includes everything from a 50cc scooter to high-performance motorbikes. ACC offer a comprehensive cost-free replacement courtesy motorbike service. We also process motorbike claims at no cost to the rider or their insurance company.
“ACC offer a comprehensive cost free replacement courtesy motorbike service”
Replacement Motorbikes Claims
Replacement motorbike claims are made following non-fault road accidents. The claim is presented to the negligent parties insurer and forms part of the loss claim. Motorcyclists have the right to claim a temporary replacement motorbike after their accident at no cost to them or their insurance company. The claim is classed as an uninsured loss as the cost of a courtesy motorbike insurance cover, however, a courtesy motorbike or temporary replacement vehicle cost is a justified recoverable loss. This is because if the rider has no other means of transport, the at-fault parties insurance company are responsible to cover the cost of a temporary replacement vehicle after the accident and until the motorbike claim is settled. The claim is processed through the use of Tort law, which states any loss or damage incurred as a result of the negligence of another person is recoverable. In practice, the claim is presented to the fault drivers vehicle insurance. The cost of the replacement motorbike is rated by the riders own vehicle type through the use of ABI/GTA motorbike hire rates. Motorbikes as placed into corresponding hire groups, with each group allocated with a set daily rate. Courtesy motorbike providers offer riders a temporary replacement motorbike and the daily rate is billed to the at-fault parties insurance company in line with the standard ABI/GTA rate.
“Motorcyclists have the right to claim a temporary replacement motorbike after their accident at no cost”
How To Claim A Replacement Motorbike After An Accident
To claim a replacement motorbike after an accident riders can contact ACC for immediate assistance. We offer a full motorbike claim solution and include the cost-free provision of a like for like courtesy hire motorbike during the process. To claim a replacement motorbike call ACC, our team offer a simple one-call service. Once we establish the service suitability through our liability check we arrange a replacement motorbike to meet the riders exact requirement. The temporary motorbike is delivered directly to the rider fully insured and ready for use. The rider keeps the motorbike until their vehicle claim is settled. ACC offer a stand-alone courtesy motorbike service to provide a courtesy motorbike only whilst an insurer processes the vehicle claim. However, we also offer a full motorbike accident claim service which is a cost-free alternative to claiming with your own motor insurance company. The benefits of claiming with ACC is you will not have any excess to pay, we can protect your claims history, and we give you full control over your motorbike claim. This means you have full choice of repair centre, and you agree the motorbikes write off value should be considered a total loss, not an insurer. For immediate assistance please call ACC today or visit our courtesy motorbike and claim page for further information.
Replacement Motorbike Write Off Claims
If your motorbike has been written off you can claim for the cost of a replacement motorbike if the accident was either not your fault, or if you hold fully comprehensive insurance cover. At ACC we can claim the replacement motorbike loss cost. We claim your motorbike pre-accident value directly from the negligent parties insurance company.
“We claim your motorbikes pre-accident value directly from the negligent parties insurance company”
Your motorbike is fully accessed by an appointed independent vehicle engineer and a detailed valuation report is produced. The report details your motorbike considered a pre-accident condition, age, service history. The engineer carries out a current market appraisal and a write off value is produced for your consideration and approval. The purpose of the detailed report is to ensure you receive an accurate motorbike valuation which will ensure you can replace our motorbike without sustaining a financial loss. Once you agree upon the motorbikes write off value, we submit the report to the at-fault parties insurance company and pursue its swift settlement. ACC provide an independent expert vehicle claim service with the added convenience of receiving a guaranteed courtesy hire motorbike during the motorbike claim process.
Independent Motorbike Accident Insurance Claims
For independent motorbike accident insurance claims and details of replacement vehicle services visit the UK Citizens Advice page in relation to vehicle claims.