If you have recently taken out Ducati bike insurance or cover for any other bike you will be aware of the risks involved of riding a powerful motorbike. Of course most of us are careful but sometimes accidents do happen through no fault of your own. But in these unfortunate circumstances what can you do to ensure you are prepared and don’t risk complicating your bike insurance claim? The below helpful tips are usefull whether you are riding your motorbike in the UK or abroad. You could be riding a Harley Davidson or a Vespa scooter the dangers remain the same.

Always carry your insurance documents and license in a waterproof bag. If you do have an accident you will be able to exchange details and prove to police that you are fully covered and own the bike you are riding. This will help you avoid producers.

UK bike insurance claims can be complicated and in many instances disputes arise from who is actually at fault. In this situation it is imperative you take photographic evidence of the situation. Nowadays most mobile phones have cameras, so take some pictures of the positioning of your bike in comparison to the other vehicle and any relevant road signs and markings. If you can find any skid marks from the offending vehicle these are also useful.

You may be riding an expensive Ducati superbike or a less expensive scooter, in either case making sure you can actually claim against your motorbike insurance policy is crucial. Take down the other driver or riders full contact details and ask to see their driving license and insurance documentation, don’t forget to take down the make, colour and registration plate of the other vehicle. At this time you should also write down a full description of where and when the accident took place.

How to Make a Bike Insurance Claim

If you need to make a bike insurance claim your insurer will usually request that you report any incident within 7 days. At this time you should also notify the police of the accident. If a policeman happens to arrive at the scene make sure you take down their details including badge number and resident police station.

If you have any injuries go to the hospital immediately and obtain a record of your visit and the injuries treated. You should also obtain the details of the person who treated you.

Obtaining cheap bike insurance can obviously save you money but if you do not properly handle a situation after an accident you may not be able to make a claim. The severity of a crash can make bike insurance claims very complicated and it is advisable to seek qualified legal advice.

Guest Article by Carlan Li