Zenith Motorbike Insurance Personal Injury Compensation Information & Claims Solicitors

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Zenith Motorbike Insurance Compensation Claims Guide

The guide below is going to go over the legal process of making a Zenith Insurance motorcycle insurance claim. We are going to cover many of the scenarios that could lead to such a claim, why the claimant may be eligible to claim in these circumstances, and how to proceed with a claim.

If you have been injured in a motorcycle accident or an accident caused by a motorcyclist, this guide should be of help to you. If you have any questions about making a personal injury claim that this guide does not answer, please call our claims team on 0800 073 8804. Our expert advisors are available 24/7 to provide you with the help and advice you need.

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A Guide To Motorcycle Accident Claims Against Zenith Insurance

Zenith motorcycle insurance accident claims guide

Within this guide to making a Zenith Insurance motorcycle insurance claim, we will be discussing two different kinds of claimants. Firstly, motorcyclists who are insured by Zenith and need to make a claim against their own insurance, such as in a motorbike accident where a split liability claim needs to be made. Secondly, any road user that is injured in an accident that was caused by a rider that was insured by Zenith.

We start this guide off with a basic introduction to making a claim, and a look at Zenith policies. This is followed by an explanation of some of the kinds of situations that could lead to a person claiming against a Zenith policy. We look at who underwrites this insurer, and what the role of an underwriter is.

Next, we move on to look at a couple of key decisions that will need to be made. Firstly, whether to accept an early or pre-medical settlement if one is offered by the insurer. Secondly, whether you should use a solicitor to attempt to get you a higher level of compensation. We support this section with details of the types of information your solicitor will need and an explanation of eligibility.

The last few sections of this guide refer to some of the financial aspects of personal injury claims. You will find a table of example injuries and typical compensation ranges they might be awarded. This is followed by a list of some of the types of damages your claim might be made up of. Lastly, you will find an overview of our core service offering and how a No Win No Fee solicitor can help you.

Every claim has its unique aspects, and this means that this guide may not cover every question that you need answered. If this turns out to be so, then we can still help you. All you need to do is reach out to our claims team on the telephone number you will find at the top or bottom of this page. When you do, one of our claim advisers will provide you with whatever information you need, and let you know how we can help you move your claim forward.

What Is A  Zenith Insurance, Motorcycle Insurance Claim?

The company Zenith Insurance, now part of Markerstudy Insurance Services Limited, offers motorbike insurance policies tailored to the needs of motorcyclists. This includes insurance to cover multiple motorcycles, for riders of vintage bikes or those with scooters. This means that riders insured by the firm can rest assured that any claim they wish to make is going to be handled by an insurer that is aware of the needs of bikers.

A motorcyclist insured by Zenith may need to claim against their own insurance policy in some circumstances (more on this below). However, the majority of claims will be made against Zenith by road users who have been involved in an accident that was caused, at least partially, by a biker that is insured by Zenith.

In either case, the claimant will need to be eligible to make a claim, and we will explain the concept of eligibility in a later part of this guide. If you want more information about making a claim against Zenith, please speak to one of our claim advisors today.

When Could You Make A Motorcycle Insurance Claim?

There are many reasons why a person might need the help of a personal injury solicitor to make a compensation claim against Zenith Insurance. However, some are more common than others, such as:

  • Damage to a motorcycle that is covered by a Zenith Insurance policy, for which no blame can be attributed. For example, if a motorcyclist finds their bike has been knocked over in a public car park, and the perpetrator is unknown.
  • For the theft of a motorcycle that is covered by a Zenith Insurance policy (in the case of fully comprehensive insurance cover).
  • For injuries sustained in an accident by a motorcyclist insured by Zenith, where no blame can be attributed and therefore a split liability claim is being made.
  • Damage to private property or a vehicle that was caused in an accident for which a motorcyclist insured by Zenith was responsible.
  • Injuries to another road user that was caused in an accident for which a motorcyclist insured by Zenith was responsible.

These are some of the most commonly seen kinds of claims. If your claim does not fit into any of these categories, don’t worry, we should still be able to help you. Speak to one of our claim advisors to have your claim evaluated, and find out how we can be of help to you.

Are Zenith Insurance Underwriters?

According to the Motor Insurers Bureau (MIB), Zenith Insurance PLC is a motorcycle insurance company that acts as its own underwriter. This means that there will be no additional third-party underwriter involved in the claims process, and potentially makes pursuing a claim simpler. The role of an underwriter is to maintain a financial fund that is used to pay out on any claims. Therefore, it will be Zenith alone that makes all the decisions during the claims process.

If you would like further information and advice about the role of an underwriter and how the underwriter can affect the outcome of a claim, please call our claims team and speak with one of our expert advisors.

How Insurance Underwriters May Assess A Claim

Following on from the previous section and expanding on the information we have already provided in relation to underwriters, we will not look at how the underwriters of a motorbike insurance policy might affect the outcome of a claim.

The policy terms and conditions will have detailed very specifically the criteria that must be met in order for a claim to be made. When a motorcyclist insured by Zenith attempts to claim against their own insurance, they must be within the scope of their insurance policy to do so. For example, a biker cannot claim for a stolen motorcycle if they only have third-party insurance. It is in the underwriter’s best interest to attempt to find some aspect of the claim that falls outside of the remit of the policy and therefore invalidates it.

For a third-party claiming against Zenith for an accident caused by a rider insured by the firm, a similar problem exists. For the claim to be valid, the claimant will need to be eligible to claim, and we will cover this in more detail later in this guide. If the eligibility criteria are not met, the underwriter might refute the claim entirely, in which case you will need a solicitor to help press forward with your claim.

This may all seem confusing at first glance, and we understand you might need somebody to talk you through the concepts of liability and eligibility. Therefore, you can call our claims team 24 hours a day and get some help from one of our claim advisors.

What To Think About Before Accepting An Insurance Settlement?

If you have suffered a motorcycle injury and want to make an insurance claim, one of the first things to do is contact the insurer of the party that caused the accident. When you do this, the insurer might send you a letter offering some form of free legal help, and possibly a pre-medical out of court settlement.

Before accepting this offer, consider that it has not taken the severity of your injuries into account, or whether you might have any long-term symptoms or impairment. If you have suffered a minor injury, then the pre-medical settlement might be worth taking. However, if you have suffered injuries that have affected your life in any way, you will likely be better off making a full claim.

Understand that the insurer is going to try and do everything they can to reduce how much money they pay to claimants. This lowball pre-medical settlement is offered in the hopes of tempting a claimant to simply accept it and walk away.

For more advice on whether to accept an early settlement offer, please speak to one of our claim advisors.

When Could A Solicitor Help Me Claim A Better Settlement?

As we mentioned in the previous section, a personal injury lawyer may be able to secure you a higher level of compensation than any initial out of court settlement you are offered. A solicitor can help in many ways, such as:

  • Helping you to prepare your claim.
  • Assisting you in preparing evidence such as photographs, financial records, or medical information.
  • Negotiate with the defendant’s legal team on your behalf.
  • Value your claim for you and tell you what amount of compensation might be appropriate to seek.
  • Represent you in court if needed.

We can provide you with all of these kinds of services. All you have to do is give our claims team a quick call today, to get the ball rolling.

What Does A Solicitor Need To Know?

If you decide to use a motorcycle personal injury lawyer to help you by processing your claim, there are some kinds of information they will expect to be provided with, and also some other kinds of information that you can give them that may support your claim. For example:

  • Details of your own insurer.
  • Details of the insurance firm used by the person responsible for the accident.
  • Photographic or video evidence of the scene of the accident.
  • A police incident number.
  • Documentation proving financial losses that you wish to claim for.
  • The results of a medical examination if you have undergone one already.
  • Contact information to any witnesses of the incident.

All of this kind of information is needed by your solicitor. Some of it is necessary to process a claim, others are useful to support it. If you would like to know what types of information you would need to submit to your solicitor to make a claim, please speak to a member of our team to find out.

Could I Be Compensated For My Injuries?

So far we have looked at the reason for claims, how to deal with an early settlement offer, why a solicitor might be able to help you, and how you can help them by providing relevant information. In his section, we tackle the concept of eligibility to claim. In order to be eligible to make a claim, you will need to fulfil criteria such as:

  • You will need to start your claim within the personal injury claims time limit relevant to your circumstances.
  • You must have suffered a physical motorbike injury, or some form of financial or ad-hoc loss that would not have occurred had you not been involved in the accident.
  • Unless a litigation friend is handling the claim for you, you will need to be over the age of 18.
  • You must be able to prove that the actions of a third party caused you harm or loss, or in the case of a split liability claim, that blame cannot be attributed to any one entity.

If you want to clarify whether you could be eligible to make a claim or not, our claims team can help you. One of our expert advisors can evaluate your circumstances, and let you know whether you have a potentially valid basis for a claim.

Compensation Calculator For Motorbike Accident Claims

This table is based on guidelines published by a legal body known as the Judicial College. They are used by the courts and solicitors to value claims. You can use it to get a rough idea of the level of compensation that you may be able to claim in your own case.

Edit
Type of Injury? How Severe? Compensation
Injured hand Moderate to serious Up to £58,100
Injured arm Simple fractures to severe Up to £122,860
Injured back Minor Up to £2,300
Injured foot Modest to very severe Up to £102,890
Injured leg Less serious to very serious Up to £85,600
Injured head/brain Minor Up to £11,980

Some websites might offer a personal injury claims calculator to work out a rough estimate of how much you might be able to claim. There is nothing wrong with using one of these. However, for a proper, personalised estimate of the value of your claim based on your unique circumstances, you can call our claims team and ask them to organise a solicitor to value it for you. At this time, we can also provide you with any other information you need about making a motorcycle insurance claim.

Examples Of Special Damages Victims Of Motorbike Accidents Could Claim

If you are offered a settlement out of court or awarded one in court, it will have taken into consideration a number of different kinds of damages that apply to your specific situation.

General damages are a category of compensation that relates to some physical aspect of the claim. The level of compensation is driven by considerations such as how long you were affected, how much pain and trauma you went through, the kind of treatment you underwent, and whether you will suffer from some kind of long-term impairment. It also takes into account:

  • Lowered life quality.
  • Traumatic or invasive treatment.
  • Permanent impairment.
  • Pain and suffering.
  • Mental trauma and psychological damage.

The potential value of general damages is set out in our calculator section above. 

Special damages relate to financial and other losses caused by your injuries. If you intend to try and claim back expenses you have already incurred, you will need to provide proof of these funds being spent. Examples of special damages include:

  • Loss of salary/wages.
  • Lowered income potential in the future.
  • The cost of hiring a nurse or a care assistant to care for you at home.
  • Private medical treatment.
  • All out of pocket expenses related to making a claim or having your injuries treated.
  • Other financial losses. For example, you were unable to go on a holiday that was already booked and paid for and did not get a refund.

Our claims team can give you a rough idea of the kinds of damages you could claim if you give them a call and speak to an advisor.

No Win No Fee Motorbike Accident Claims

A solicitor working under a No Win No Fee agreement will not expect to be paid their fees unless they win your claim for you. So, this is a very safe way for you to get the legal help you need without taking unnecessary financial risks.

You do not pay a new claims fee, or any fee while the claim is processed. You will only be asked to pay a small success fee (capped legally) when the claim is a success. For more information on making a No Win No Fee claim, get in touch.

Talk To Our Team Today

If you have suffered a motorbike injury or have been involved in a road traffic accident with a motorcyclist who is insured by Zenith Insurance, we can help you to move forward with a claim today. Just speak to our claims team on 0800 073 8804 and one of our claim advisors will walk you through our claims process. They are available 24/7, 365 days a year to help you.

Essential References

These external links have more information that could be relevant:

Facts About Motorcycle Casualties

British Motorcycle Foundation Information About Safety

UK Road Accident Statistics

You can also learn more about motorcycle accident claims below:

 

Guide by Wheeler

Edited by Billing

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