We understand that accidents are stressful, particularly when you aren’t responsible. Our team are here to help with non-fault insurance work for motorbikes, using their mechanical expertise and experience to handle this process. If your motorbike has been damaged in an accident that wasn’t your fault, you will be able to claim for compensation through the responsible driver’s insurance company. This will cover the cost of the repairs and, even though the insurer may recommend a particular repairer, you have the right to choose where you want your motorbike to be repaired. You have control over who provides the non-fault insurance work for your motorbike.
What counts as non-fault insurance work?
After an accident that that wasn’t your fault, the repairs that are paid for by the responsible party’s insurer are classed as non-fault insurance work. Their insurance premium may increase as a result of this process.
Your rights as a motorbike owner in a non-fault accident
If you’re involved in an accident that wasn’t your fault, you will be protected by law. This is because the other person will be held responsible for any physical or financial harm that is caused and will be liable for any losses. As a result, it will be their insurance company that settles any claim you submit and pays for any motorbike repairs that may be required.
What are non-fault insurance repairs?
Understanding what counts as a non-fault insurance repair for your motorbike is straightforward. Non-fault insurance repairs cover any damage that your motorbike may have suffered in a non-fault accident. This means any bodywork damage, including scratches, dents, and scuffs, will count. If we are carrying out non-fault insurance repairs on your motorbike, our team will seamlessly blend any repaired areas into the rest of your bodywork so that it is restored to prime condition.
The non-fault insurance process for motorbikes
- When your motorbike is involved in a non-fault accident you will need to get the details of the other driver in order to make a claim. This includes their name, address, and registration number. If any witnesses are present, you should also ask for their details.
- Non-fault claims can be carried out through the responsible driver’s insurance company. This can protect your no-claims bonus by sparing you from needing to make a claim on your own policy.
- The third-party’s insurance company will encourage you to have your motorbike repaired by one of their approved repairers. You do not need to do this. They are bound to base their recommendations upon what is most cost-effective and convenient for them.
- You can refuse their suggestions and select your own repairer. This will allow you to control the quality of the bodywork repairs your motorbike receives.
- Choosing a repairer can also allow you to work with a team that meets your needs, whether they are based more locally or you have used them before. Placing your motorbike in the hands of a team you can trust will ensure the process is based around your needs rather than the insurance company’s budget.
Paying your insurance excess
Contacting your insurer before your chosen repairer when you’ve been in a non-fault accident will require you to claim on your own insurance policy. This could mean that you have to pay your excess. Plus, this can apply even if the responsible driver has admitted fault and contacted their insurer – after all, you’ve still been in an accident. This excess payment can then be refunded once your insurer is certain that you weren’t responsible.
You can avoid this inconvenience by contacting your chosen repairer first to discuss your options. At AutoSport Customs, our team can handle the process on your behalf so that you aren’t required to pay your excess or experience further hassle. Once the claim has been dealt with, we can move straight onto completing your motorbike bodywork repairs.