Motorcyclists are disproportionately affected by road accidents in the UK. If another driver caused your accident, you deserve full compensation and a replacement bike so you're not left without transport.

Motorcycle accident statistics in the UK

Motorcyclists account for just 1% of road traffic in Great Britain but represent around 19% of road deaths. The majority of serious motorcycle accidents are caused by other drivers pulling out at junctions, failing to check mirrors or driving distracted. If you were the victim, the law is on your side.

What motorcyclists are entitled to after a non-fault accident

  • Replacement motorcycle: a like-for-like bike while yours is being repaired
  • Free vehicle repairs: all repair costs recovered from the at-fault insurer
  • No excess to pay: you pay nothing out of pocket
  • No claims bonus protected: your insurance record is unaffected
  • Personal injury compensation: for injuries, pain and suffering
  • Protective gear replacement: helmet, leathers, gloves and boots damaged in the accident
  • Loss of earnings: if your injuries prevented you from working

Replacement motorcycle: what you're entitled to

Like-for-like means like-for-like. If you ride a 1000cc sports bike, you should receive a 1000cc sports bike as a replacement, not a 125cc scooter. Road Claim ensures your replacement vehicle is genuinely equivalent to your own so you are not out of pocket.

Common injuries in motorcycle accidents

Motorcyclists often suffer more severe injuries than car drivers due to the lack of protective bodywork. Common injuries include:

  • Road rash and skin abrasions
  • Broken arms, wrists, collarbones and legs
  • Knee and shoulder injuries
  • Spinal injuries
  • Head injuries (even with a helmet)
  • Psychological trauma including PTSD

Claiming for damaged motorcycle gear

Your protective gear is designed to be sacrificed in an accident to protect your body. A damaged helmet must be replaced, and the at-fault driver's insurer is responsible for the cost. Keep all damaged gear and photograph it thoroughly before having it assessed. Common items claimed include:

  • Helmet: even if damage is not visible, a helmet involved in an impact should always be replaced
  • Jacket, trousers and one-piece leathers
  • Gloves and boots
  • Back protectors and body armour

What to do immediately after a motorcycle accident

If you are able to, at the scene of the accident:

  • Do not remove your helmet unless you suspect a spinal injury and trained help is present
  • Call 999 if anyone is injured
  • Photograph the scene, both vehicles and all damage
  • Get the other driver's details: name, address, insurance company and policy number
  • Get witness details if possible
  • Do not admit fault or apologise, even if you think you may have contributed

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Frequently Asked Questions

Can I claim if I wasn't wearing full protective gear?⌄
Yes. Not wearing leathers or full protective gear does not bar you from making a claim. However, it may affect the level of compensation for injuries that the gear would have prevented or reduced, known as contributory negligence.
What if the car that hit me drove off?⌄
You can still claim through the Motor Insurers' Bureau (MIB) for untraced drivers. Road Claim works with solicitors experienced in MIB claims.
How long can I keep the replacement motorcycle?⌄
You are entitled to a replacement motorcycle for as long as your own vehicle is being repaired and is unavailable to you. Once your bike is returned to you, the hire period ends.