If you have been involved in an accident in the UK and require a replacement motorbike, the process could be simple if you follow the correct steps. So here is a full manual on how to apply for a new replacement motorbike after having met an accident.
Report the Accident
- Call the Police and Your Insurance Company Do collect all information (include the following):
- Time and Date of the Incident
- Information about the at-fault party ( Name, address, and insurance information).
- The names of witnesses and their contact details
- Pictures of the accident scene and the motorbike in damaged condition picture of your skin cut or bruised
Tell your insurance a thing or two
Let your insurer #1 know about the mishap at the first opportunity. Give them the information you have gathered. Your insurer will have a claims process for you to follow and will inform you of details of what your insurer needs from you in terms of information and documentation.
Determine Fault
In the event of non-fault accidents, it is very important to prove the other side was responsible for this accident. The insurance company will do a full investigation as to whose fault the accident occurred. And, if the other party is deemed responsible, then their insurance will pay for the costs of the accident and will grant you a new motorbike.
Review Your Insurance Coverage Policy
Review your to determine the type of coverage that is available for replacement motorbikes. It can also extend to courtesy or replacement vehicles during the repair process on your motorbike. So if your policy offers this facility, your insurer will replace a motorbike for you.
Aftermarket product supplier
Vehicle provider (If you do not have replacement vehicle cover included in your insurance policy, or if you are looking to speed up the process) Companies such as NASL are one of the few to offer motorbike replacement services to riders who have been involved in an accident which was not their fault. They will help you into a replacement bike at no cost to you working through your insurance company.
Provide Documentation
To obtain the new motorbike, you also have to provide the following documents :
- Your driving license
- Proof of insurance
- Crash report or accident report – as the case may be
- Some form of ID (passport, national ID, etc.)
Depending on the specific requirements, the replacement vehicle provider or your insurer might ask for some more documents.
Delivery and Collection Arrange
When your claim is accepted, the replacement motorbike provider arranges for the delivery of the replacement vehicle. They will then liaise with the repair garage you decided on and arrange to recover your motorcycle in its damaged state. Check out the condition and specifications of a replacement motorbike, and make sure they are a match.
Determine Your Responsibilities
You are not responsible for keeping a replacement bike working, it is when you are using it. Please note the terms and conditions of the replacement vehicle provider, whether mileage restrictions, usage, and replacement period.
Check the Progress of the Replace
Keep in touch with your insurance company and the garage about the progress of your motorbike repairs. Monitor progress and follow up to make sure the fixes are done to your satisfaction.
Replace the Bike again
After the repair of your motorbike, you can just ask the replacement vehicle provider to collect the replacement motorbike. Remember to follow the return requirements from the provider so that you do not incur special fees.
Conclusion
You will have to go through several steps, from reporting the accident to the arrangements for your replacement motorbike to be delivered and returned. Take these actions and coordinate between your insurance provider and a trusted replacement vehicle service to make sure it is as smooth as possible.
