Ageas Motorcycle Insurance Compensation Claims Guide – Motorbike Accident Insurance Personal Injury Claims Against Ageas Motorcycle Insurance

Anyone who is injured in a motorcycle accident, whether they were at fault or another road user caused the incident, could seek compensation for the harm and damage they suffered. Ageas motorcycle insurance claims can involve an individual claiming against their own policy, in certain circumstances. It could also involve a claim against another Ageas Insurance policyholder providing it can be proven the injuries sustained were caused by the insured party.

If you feel you are ready to make a claim for compensation for damage, injuries, and losses you incurred in a motorbike crash, please speak to a member of our claims team today on 0800 073 8804. We offer a no-obligation, initial, free consultation to assess personal injury claims we take on.

Should you need more information on how to claim motorcycle accident compensation from Ageas Insurance, and what it entails, please click on the sections below.

Select a Section

• A Guide To Ageas Motorcycle Insurance Claims
• What Is A Motorcycle Insurance Claim Against Ageas?
• Instances Where You Could Claim For A Motorcycle Accident
• Who Underwrites Ageas Motorcycle Insurance Policies?
• Do Insurance Companies Dispute Claims?
• Should You Contact An Insurance Company Directly?
• When Solicitors Could Help With Claims Against Insurance Companies
• Documents And Evidence Which Could Help Solicitors
• Claiming For Your Bike Accident Injuries
• Calculating Motorbike Accident Compensation Claims
• Special Damages Claimable For Bike Accident Victims
• No Win No Fee Motorbike Accident Claims
• Start Your Claim
• Essential References

A Guide To Ageas Motorcycle Insurance Claims

Our guide to Ageas motorcycle claims provides essential reading if you were injured in a bike crash. Whether you were partially to blame or the road traffic accident was caused by another road user insured with the provider, we explain how Ageas handles personal injury claims lodged against them.

We also cover the following:

• The claims process and what evidence is needed to prove liability and support a motorbike crash claim
• The sort of bike accident and injuries you could claim for
• The common reasons why insurance providers dispute motorbike accidents claims
• Why it is not a good idea to contact an insurer without first seeking advice from a solicitor
• How a solicitor could agree to act on your behalf on a No Win No Fee basis once it has been established you have a valid and strong claim against Ageas Insurance
• The level of motorbike crash compensation you could be awarded, and what damages and losses you could claim for
• How No Win No Fee Agreements work and how you would not have to pay a solicitor any fees until you are awarded motorcycle accident compensation

To speak to a member of our claims team about pursuing a motorcycle accident claim against Ageas, please get in touch today.

What Is A Motorcycle Insurance Claim Against Ageas?

Ageas Insurance provides cover for all types of motorcyclists, whether seasoned bikers or those who are new to biking. The provider insures 1 in 5 motorcyclists in Britain, offering both motorbike and classic motorbike cover which they also supply through brokers.

The type of insurance policies Ageas provides bikers includes the following:

• Modern motorbikes
• Classic motorcycles
• Policies with limited mileage to suit the policyholder
• The option to include add-ons to existing policies
• The option for policyholders to receive cash to repair bikes themselves or to select a repairer should they wish to

If your motorcycle needs fixing after an accident and you have comprehensive cover with Ageas, the insurer will do the following:

• Arrange to collect and redeliver your motorbike once repaired at a time that is convenient for you
• Your motorbike would be taken to an Ageas partnership repairer
• Repair your bike, providing it is cost-effective

Ageas Insurance would have the damage assessed by one of their qualified engineers, and if it is found that it cannot be repaired for whatever reason, a settlement would be offered as soon as possible.

Should your motorbike have been stolen, you must inform the police and get a crime reference number (CRN) which is needed to claim compensation through Ageas Insurance.

If you need assistance in making an Ageas motorcycle claim for harm and damage you were caused in a motorcycle accident, whether you were partially to blame or not, please get in touch with a member of our claims team today.

Instances Where You Could Claim For A Motorcycle Accident

Whether you own a motorbike, scooter or moped, and you suffered an injury as well as damage in a road traffic accident, you could claim compensation. You could make a personal injury claim against Ageas Insurance if you hold a policy with the provider and were partially at fault. If the other road was at fault and is insured with the company, the personal injury claim would be made against them.

You could claim for injuries you suffered, and you could claim for any damage to your property or equipment. For your claim to be valid, the following must apply:

• You suffered injuries, which include whiplash, and damage in a road traffic accident caused by another road user or a third party and they hold Ageas insurance
• You are insured with Ageas and you were injured in a motorbike accident for which you were partly to blame – as such you would make the personal injury claim against your own policy
• Your motorcycle was stolen or damaged and you are insured with Ageas Insurance

For more information on instances which could entitle you to claim compensation for injuries and damage sustained in a motorbike accident, please get in touch today.

Who Underwrites Ageas Motorcycle Insurance Policies?

As an insurance provider, Ageas underwrites their policies and provides insurance via brokers throughout the United Kingdom. The company is also a joint owner of Tesco Underwriting.

Ageas offers policies that include Optima Bike, which provides cover for all types of motorbikes, scooters, mopeds, and sports bikes. The insurer also offers policies for younger and older riders whether they hold Provisional Licences or Full Licences.

If you are unsure who to make a motorbike claim against, whether it is directly to your own Ageas insurance policy or another liable party if they are insured with Ageas, please get in touch with a member of our claims team who would be happy to discuss the circumstances of your personal injury claim with you.

Do Insurance Companies Dispute Claims?

Insurance companies will dispute a personal injury claim lodged against them for various reasons, some of which are listed below:

• A policyholder failed to disclose relevant information when taking out insurance with them
• The policyholder failed to inform the insurer they made modifications to a motorbike insured with them
• There is not enough proof to support a motorbike accident claim
• The policyholder cannot prove the party responsible for injuries sustained in a motorcycle accident is insured with Ageas, or through one of their brokers
• The policyholder was riding a motorbike in a dangerous manner when the accident happened
• The party responsible for your motorbike injuries denies liability

Should the insurance company dispute the personal injury claim you make against them, you should contact a solicitor as soon as you can. This is where we can be of assistance. Once we have determined your motorbike claim is valid, we would work hard to ensure that sufficient evidence to support your case is gathered.

Should You Contact An Insurance Company Directly?

You have every right to make a claim against Ageas Insurance yourself, but because this type of claim can be complex with insurers often denying liability, it is far better to seek legal advice first. There are lots of things to consider, which includes having sufficient evidence to support a claim. There is also the time limit which must be respected to avoid a claim being time-barred, which could mean you lose out on being awarded compensation for the injuries and damage you suffered.

As such, the sooner you seek legal advice, the sooner a motorbike claim against Ageas Insurance, or another responsible party, can be made. Solicitors are used to dealing with insurance companies and are aware that an initial settlement offer could be far too low. It is worth noting that many claimants who handle personal injury claims themselves are offered pre-medical settlements by insurance companies. Although tempting, without a medical report, it would be difficult to put a ‘value’ on an injury you suffered in a motorbike crash.

It would be inadvisable to accept any sort of early settlement without first consulting a solicitor. If you would like to speak to a member of our claims team about a motorbike accident claim against Ageas Insurance, please get in touch today.

When Solicitors Could Help With Claims Against Insurance Companies

Making any sort of personal injury claim against an insurance provider can prove challenging, especially if a claim is disputed or liability denied. There are time limits to respect, protocols to follow. Sufficient evidence must be provided to establish liability, or whether split liability has to be taken into consideration if you were partially to blame for the motorbike injuries you sustained.

As such, it is far better to contact a solicitor as soon after a bike crash as possible. Our own solicitors can provide you with essential legal advice free of charge. Other advantages to using our personal injury solicitors are as follows:

• As part of the process of claiming, your injuries would be examined by an independent medical professional which the solicitor would arrange to be done locally to where you live. The report produced would detail the extent of your injuries. and would be used to calculate how much bike accident compensation you may be awarded
• A solicitor would keep you informed of everything as your case progresses and would inform you at the earliest opportunity on how much you could be awarded in a successful motorbike accident claim
• A solicitor would ensure you are not put under any financial hardship should your case take longer to settle by negotiating interim payments to be paid to you
• If your claim goes to court, the solicitor would act on your behalf and arrange for representation, if and when necessary

To discuss your motorcycle accident claim with one of our advisers, please get in touch today and we will offer free legal advice and assess your claim before advising you on how best to proceed.

Documents And Evidence Which Could Help Solicitors

A solicitor working on your behalf would need you to provide the following, if available:

• Details of your own insurance provider as well as the insurance details of all other parties involved in a motorbike accident
• The contact details of all witnesses
• Witness statements
• Medical notes
• A police report and reference number
• Evidence of damage to equipment and property
• Photos of injuries sustained
• Photos of where the motorbike accident happened
• CCTV footage
• Dashcam footage

If you need assistance, please speak to a member of our claims team who can provide essential legal advice on the sort of evidence you should try to provide when making a motorbike claim against Ageas Insurance or another responsible party.

Claiming For Your Bike Accident Injuries

If your motorbike accident claim against Ageas Insurance is deemed valid, you could claim for the injuries you suffered, the damage you sustained, and the losses you incurred. You must be able to show another party was responsible, or that you were partly to blame for the accident happening, in which case your claim would be handled on a split liability basis.

The more evidence you have, the stronger a claim for compensation would be against Ageas Insurance or another responsible party. A medical report detailing the extent of your injuries and the prognosis is essential evidence when it comes to calculating the level of motorbike accident compensation you would be awarded in a successful claim.

Calculating Motorbike Accident Compensation Claims

For a general idea on the amount of motorbike accident compensation you could be awarded in a successful claim, please refer to the table below.

The amounts provided are taken from the Judicial College Guidelines which courts, insurers and solicitors use to base the value of compensation claimants could be awarded. For a more accurate estimate, please speak to one of our claims advisers today.

Special Damages Claimable For Bike Accident Victims

Personal injury compensation comprises general damages and special damages. General damages are awarded to claimants for the injuries they suffered in an accident, while special damages are paid to compensate claimants for their out of pocket expenses.

As such, the amount of general damages you could be awarded in a successful motorbike accident claim would depend on the severity of the injuries you suffered and how much your future life and well-being is negatively impacted.

Special damages are calculated on actual expenses. As such, to claim these back you must provide evidence of your expenditure in the form of receipts and other relevant documentation. The type of expenditures you could include in a personal injury claim could include the following:

• Medical costs which are not covered by the NHS
• Travel expenses linked to the injuries you suffered
• Loss of income and future earnings
• Care costs
• Vehicle and home adaptations
• Any other expenditure linked to the injuries and damage you sustained

For more advice on the sort of expenses you may be able to claim back when making a motorbike accident claim against Ageas Insurance, please get in touch today.

No Win No Fee Motorbike Accident Claims

If you suffered an injury and your equipment/property was damaged in a motorbike accident, you may be able to claim compensation providing you have enough evidence to prove your case. If you are unsure whether your claim against another party is valid, or whether you could be partly to blame, a member of our claims team can be of assistance.

We offer an initial, no-obligation consultation which is free of charge. This allows us to assess personal injury claims and once this has been determined, we offer to work with claimants on a No Win No Fee basis.

No Win No Fee Agreements are legal contracts which set out the terms and conditions as well as the percentage payable when claimants receive compensation for injuries and damage sustained in a motorbike accident. The amount due, known as a success fee, is taken from the bike crash compensation awarded.

If your case is unsuccessful, the success fee is no longer payable because the solicitor agreed to these terms when signing a No Win No Fee agreement with you.

Start Your Claim

If you feel you have a valid motorbike accident claim against Ageas Insurance, whether you are the policyholder, or another road user who caused the accident is insured with Ageas, you can speak to a member of our claims team by contacting them in the following ways:

• By phone on 0800 073 8804
• By email at info@legalexpert.co.uk
• By filling out our contact form

Essential References

If you would like more information on road safety for bikers, please follow the link provided below:

Motorcycle safety advice

For more information on road casualties in the UK, the following link provides essential reading:

Road casualty statistics in the UK

If you would like more in-depth information on how No Win No Fee Agreements (Conditional Fee Agreements), please click on the link below:

No Win No Fee road traffic accident claims

If you were in a motorbike accident as a pillion rider and would like to know if you can claim compensation for injuries and damage you suffered, please click on the link provided:

Claiming compensation if injured as a pillion rider

For more information on split liability and how it could affect the amount of  compensation you may be awarded in a successful motorbike accident claim, please follow the link below:

Split liability personal injury claims explained

Guide by Wood

Edited by Billing