Question 1

Do I have to use my own insurance company?

Accepted Answer

No. If the accident wasn't your fault, you have the legal right to use an independent accident management service. Using one can often prevent you from having to pay your policy excess and protects your no claims bonus.

Question 2

What if the driver who hit me is uninsured?

Accepted Answer

You can still make a claim. Specialist solicitors will submit a claim to the Motor Insurers' Bureau (MIB), which is a fund set up specifically to compensate victims of uninsured or untraced drivers.

Question 3

How long does a claim take to settle?

Accepted Answer

It varies wildly. Straightforward vehicle damage claims can be settled in weeks. If you suffered complex injuries requiring ongoing treatment, it could take over a year. A replacement bike may be provided while you wait.

Question 4

What areas of the UK do you cover?

Accepted Answer

We offer nationwide coverage across England, Wales, and mainland Scotland. The logistics network ensures specialists can aim to get a bike to almost any location.

Question 5

Will the replacement bike be exactly the same as mine?

Accepted Answer

The specialists aim to provide a 'like-for-like' replacement. If you ride a 1000cc sports bike, they aim to provide a 1000cc sports bike. If you ride a 125cc commuter scooter, they aim to provide an equivalent scooter.

Question 6

How soon will the bike arrive?

Accepted Answer

Once liability is confirmed, specialists aim to arrange delivery of the bike.

Question 7

Is insurance included on the replacement bike?

Accepted Answer

Insurance arrangements vary by case and are handled by the specialist partners — they'll explain what's included when they speak with you.

Question 8

Do I have to pay to hire the bike?

Accepted Answer

The cost of hiring the replacement bike is typically recovered directly from the at-fault driver's insurance company on your behalf.

Question 9

How long can I keep the replacement bike?

Accepted Answer

You keep it until your own bike is fully repaired and returned to you, or until you receive the settlement if your bike is written off.

Question 10

Are you a law firm?

Accepted Answer

No, we are a marketing service. We connect you to specialists who handle the replacement bike, and introduce you to regulated specialist solicitors to run the legal claim.

Question 11

Why do you use specialist firms?

Accepted Answer

Because law and logistics are entirely different skills. We prefer to connect you to specialists who do the bike delivery perfectly, and let specialized personal injury lawyers fight for your maximum compensation.

Question 12

Will I have to go to court?

Accepted Answer

It's highly unlikely. The vast majority (over 95%) of personal injury claims are settled out of court through negotiation between the solicitors and the insurance companies.

Question 13

What about my damaged gear?

Accepted Answer

The specialist solicitors will look to claim for the replacement cost of your helmet, leathers, boots, gloves, and any accessories damaged in the crash. Never throw away damaged gear until instructed.

Question 14

How often will I get updates?

Accepted Answer

The specialist firms pride themselves on proactive communication. You'll have a dedicated file handler who will provide regular updates via phone, email, or WhatsApp—whichever you prefer.

Question 15

Is it really No Win, No Fee?

Accepted Answer

Yes. The legal claim is typically run by the specialist firm on a Conditional Fee Agreement (No Win, No Fee). If the claim is unsuccessful through no fault of your own, you pay nothing.

Question 16

How much of my compensation do the solicitors take?

Accepted Answer

The specialist firms cap their success fee at a legally regulated percentage (maximum 25%) of your final injury compensation. They will explain this clearly before you sign any agreements.

Question 17

Are there any upfront costs?

Accepted Answer

The cost of the replacement bike and repairs is typically recovered from the at-fault insurer. The specialist firms will explain any fee structures clearly before you sign agreements.

Question 18

Will my insurance premiums go up?

Accepted Answer

You are legally required to notify your insurer of the crash. However, because you are using a third-party service for a non-fault claim, your No Claims Bonus remains intact. Your premium may be affected slightly just for being involved in an incident, but often less than if you claimed on your own policy.

Question 19

What defines a 'non-fault' accident?

Accepted Answer

It means another party was fully or predominantly to blame for the crash. For example, a car pulling out of a junction in front of you, a rear-end shunt, or hitting a dangerous pothole.

Question 20

I only have Third Party insurance. Can you help?

Accepted Answer

Yes! Because the claim is made against the at-fault driver's insurance, the level of cover on your own policy does not restrict your ability to use our service or get a replacement bike.

Question 21

Can I claim if I hit a pothole?

Accepted Answer

Yes, though these claims can be complex. The local council or highways agency must be proven negligent. Take photos of the pothole with a tape measure showing depth if safe to do so, and we can assess the case.

Question 22

I crashed while filtering (lane splitting), am I to blame?

Accepted Answer

Not necessarily. Filtering is legal in the UK. Insurers often try to split blame 50/50, but specialist solicitors have overturned many cases where a filtering biker was hit by a car turning without looking.

Questions riders actually ask

General

Replacement Bike

Legal Process

Costs & Fees

Eligibility

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