If you were injured in a motorcycle accident and the other party had acquired their insurance through Novitas, you may be able to seek compensation by filing a personal injury claim against the insurance underwriter. You may have been partly to blame for the injuries you suffered, but you could still file a motorbike case injury claim against an insurer provided by Novitas and your case would be dealt with on a split liability basis.
Our guide provides essential reading on claiming motorbike accident compensation against an insurer provided by Novitas Insurance. We cover the sort of evidence needed to support a claim, and what claiming compensation would entail. We also explain how a No Win No Fee lawyer could act on your behalf if they can establish your claim against the other party is strong and therefore stands a better than average chance of being won. Whether this is through the court, or in an out of court settlement.
If you are ready to pursue a claim against an insurer supplied by Novitas Insurance, please contact a member of our team on 0800 073 8801. Alternatively, if you would prefer to read through our guide beforehand, then please do so by clicking on the sections below.
Select a Section
- A Guide On Motorcycle Accident Insurance Claims Against Novitas Insurance
- What Are Motorbike Crash Accidents And Injuries?
- What Is The Role Of An Insurance Underwriter?
- Eligibility To Claim For A Moped, Motorbike Or Scooter Accident?
- When Could You Claim For A Motorbike Crash?
- Information Which Could Help Motorbike Crash Injury Claims
- Should Claimants Directly Contact Insurance Providers?
- How Do Motor Insurers Assess Accident Claims?
- Could A Solicitor Help People Secure Better Settlements?
- Motorcycle Crash Injury Compensation Claims Calculator
- Check What Special Damages You Could Claim
- How We Could Help With Motorbike Crash Injury Claims
- No Win No Fee Motorbike Crash Injury Claims
- Talk To Us About A Motorbike Crash Injury Claim
- Helpful Resources And Guides
Our guide to seeking compensation for injuries sustained in a motorbike accident in which the other party was insured under a policy brokered by Novitas, provides essential advice on how to pursue a personal injury claim, and what sort of proof you need to support your claim.
We offer an idea on how much you could receive in the way of compensation, and how a No Win No Fee solicitor could help ensure the amount awarded is fair.
We explain how split liability may affect the amount you are awarded in a successful motorbike accident claim against an insurer provided by Novitas Insurance, and how responsibility is determined. We offer advice on working with a solicitor on a No Win No Fee basis, and how signing a Conditional Fee Agreement takes away the worry of having to pay upfront fees and ongoing fees as a claim progresses.
To discuss the circumstances surrounding your motorbike accident claim against a policy brokered by Novitas Insurance, please speak to a member of our team who would be happy to offer free legal advice on how best to proceed.
You could be injured in a road traffic accident while riding your motorcycle in a number of situations. However, studies have shown the following reasons are the most common causes of motorcycle accidents in the UK:
- Changing lane without due care and attention
- When turning left
- Poor or dangerous road conditions
- Sudden stops
- Inexperienced drivers
- Equipment defects
- Failure to negotiate a bend
- Loss of control
The motorcyclists most at risk of being injured in road traffic accidents are as follows:
- 92% of victims of motorcycle crashes are men
- Bikers aged 25 or under – 37% of accidents involve younger, less experienced riders
When motorcycle accidents are most likely to occur:
- Most road traffic accidents in which a biker is fatally injured happens on a Sunday
- 83% of road traffic accidents involving bikers happen when the weather is excellent
- 58% of accidents involve bikers riding 50-125 cc motorcycles
When it comes to the most common injuries that bikers sustain when involved in a road traffic accident, this includes the following:
- Head injuries – including concussion and brain damage
- Fractures to the skull
- Facial fractures
- Road rash
- Hand injuries
- Arm injuries
- Leg injuries
- Foot and ankle injuries
You may suffer minor injuries in a motorcycle accident, but because you have far less protection than a car driver, you are more at risk of sustaining a serious injury which could be life-changing or even fatal.
If you were injured in a motorcycle accident and would like more information on how to claim compensation against an insurer, please contact one of our advisers today on 0800 073 8801.
Novitas is an underwriting agent specialising in brokering insurance cover for motorcyclists. They operate throughout the UK, with the exception of the Channel Islands. Novitas is not an insurance company but rather a broker and agent for several leading UK insurance underwriters which includes:
Whether you own a 49 cc moped or a super sports bike, you could opt to choose an insurance provider brokered by Novitas. The company is authorised and regulated by the FCA – Financial Conduct Authority.
If you are wondering who you would make a motorcycle accident claim against, one of our advisers can assess your case before providing essential advice on how to claim compensation against an insurer provided by Novitas.
For a motorcycle, moped or scooter accident claim against Novitas to be valid, you would need to show the incident was caused through the negligence or error of a third party. However, even if you believe you may have contributed to the incident happening, you could still be entitled to claim compensation.
Should it be found that you could be partially responsible, one of our advisers would determine what level of ‘liability’ you had and what level of liability another party or parties had in causing the incident. This is referred to as ‘split liability’.
Please speak to one of our advisers today if you would like more information regarding ‘split liability 50/50’ cases, and how it may affect your claim for compensation.
If the motorcycle accident is caused by an error or the negligence of a third party, you could be entitled to make a claim for compensation against their insurers.
Examples Of Motorcycle Accidents
The sort of motorcycle accidents could be caused for the following reasons:
- Drivers fail to look
- Drivers misjudge the speed at which a motorcyclist is travelling
- Drivers fail to see a motorcyclist because they are in the driver’s ‘blind spot’
- Drivers run into motorcyclists who are stationary
- Drivers or passengers open a car door without looking – which is called dooring
However, motorcycle accidents also happen due to biker error:
- A biker fails to predict what a driver might do
- A biker does not take notice of poor surfaces or hazards on a road
- A biker fails to ride safely in poorer weather conditions
- A biker is overconfident
- A biker fails to safely negotiate a bend in the road
Examples Of Motorcycle Injuries
As previously touched upon, you could suffer a minor injury, or you may sustain a catastrophic head or neck injury in a motorcycle accident. The most commonly reported and treated biker injuries for which you could claim compensation include the following:
- Head injuries
- Injuries to the neck
- Broken and fractured bones
- Hand and arm injuries
- Leg, ankle, and feet injuries
- Road rash
Whatever the injury you sustained in a biker crash, you may be entitled to claim compensation against the other party if you can prove they were liable. If you think you were partially to blame, your case may involve split liability. If this is the case, a member of our team would offer essential advice on how this may affect your claim for biker compensation against an insurer supplied by Novitas.
The more information you can provide to support a motorcycle claim, the stronger your case would be against the party responsible for the injuries and damage you suffered. It would also mean that a solicitor would be more likely to represent you on a No Win No Fee basis. In short, this means you do not have to worry about finding an upfront fee or ongoing fees either.
The evidence you need to gather would include the following:
- Photos of where the incident occurred
- Photos of the injuries and damage sustained in the motorcycle accident
- CCTV footage or dashcam footage if available
- Witness statements together with witness contact details
- Details of all parties involved in the motorcycle accident
- A police report
- A medical report
You should keep all conversations with the other parties involved as short as possible, and you must be truthful about what happened. Should you require more advice on what proof is needed following a biker accident, please contact a member of our team today.
You have every right to handle a motorcycle accident claim against a Novitas-supplied insurer yourself. However, you may find the other party denies being responsible for the injuries you suffered, which could make claiming compensation a lot more challenging. You could also find that if the other party accepts liability, you would be offered a much lower amount in the way of compensation than you may really be entitled to.
It is also worth noting that having legal representation when making a personal injury claim against an insurer, means you would have been examined by an independent specialist. The medical report they produce would be used to calculate the level of motorcycle accident compensation you may receive in a successful claim. In short, if you do not possess a medical report, it would not be possible for the insurer to accurately value your injuries and the damage you suffered.
Insurance companies investigate personal injury claims filed by injured parties to establish whether a claim is valid and to determine who was liable for an accident happening. As such, it is essential that you provide as much evidence as you can when you file a motorcycle accident claim against an insurer supplied by Novitas, or other responsible party.
Insurance providers typically turn down claims for compensation that are filed by injured parties in a motorcycle accident for reasons detailed below:
- A failure to disclose all relevant, truthful information about an accident
- A failure to file an accident report with the police
- Because a motorcycle was improperly used
- Because a claimant admitted liability at the scene of the motorcycle accident
It is far wiser to seek legal advice from a solicitor before making a motorcycle accident claim for compensation against a policy acquired through Novitas. This can reduce the risk of a claim being delayed or rejected due to a lack of sufficient evidence.
A solicitor would offer essential legal advice on what evidence is required to prove and strengthen a claim against an insurer provided by Novitas or another responsible party.
A solicitor has the necessary experience in handling motorcycle accident claims for injured parties, whether they were partially responsible for the incident occurring or not. It can be a daunting prospect to do so on your own. Insurance companies and underwriters have legal experts working on their behalf to ensure they pay out as little as possible to claimants.
One of our solicitors would initially offer you a no-obligation, free consultation which allows them to assess whether you have a strong case against the insurer. Should an insurance provider dispute your claim, a solicitor knows how to deal with disputed claims in a timely manner. Very often, it only takes a solicitor’s letter to the insurer for them to accept a personal injury claim filed on behalf of an injured party.
Another benefit of contacting a solicitor before attempting to make a personal injury claim is once it has been determined your case is valid, the solicitor would offer you No Win No Fee terms. As such, you would not have to worry about finding the money to pay the solicitor any upfront fees for them to represent you in a motorcycle accident claim.
To find out more about how one of our solicitors can assist you when it comes to seeking a higher level of motorcycle accident compensation, please get in touch today.
You may wonder how much motorcycle injury compensation you would be awarded. The answer is that it would be impossible to give a hard figure on how much you may receive. The reason being that every personal injury claim is treated as unique and it would depend on how your injuries have affected your life and well-being.
With this in mind, we have put together a table of injuries and compensation amounts awarded to give you a ballpark figure on how much you may receive. The amounts provided are for injuries sustained which are awarded in general damages. The amounts do not include the special damages you could include in your motorcycle accident claim.
Type of Injury Severity of Injury Compensation Amount
Injury to elbow Moderate £14,690 - £30,050
Injury to arm Minor to extremely severe resulting in permanent disability £11,820 - £122,860
Injury to wrist C - category £11,820 - £22,990
Injury to wrist F - category £3,310 - £4,450
Injury to knee (i) - moderate £13,920 - £24,580
Injury to foot Moderate £12,900 - £23,460
Injury to ankle Minor to severe £12,900 - £46,980
The figures provided above are given as a guideline only and are based on the Judicial College Guidelines.
Personal injury compensation can be awarded in two parts, namely general damages for injuries sustained, and special damages for out of pocket expenses incurred. Should you have been injured in a motorbike crash and the other party was insured through Novitas, you may be able to claim back the expenses you incurred because of the injuries you suffered.
For the insurer to accept these expenses as being part of a claim, you must provide receipts and documentation to support your expenditure. The sort of special damages you could claim back could include the following:
- Medical costs
- Travel expenses
- Loss of income and future earnings
- Care costs
- Home and vehicle adaptations
- Any other expenditure linked to your injuries
For more advice on the losses and damages you could include in a motorcycle accident claim against an insurer supplied by Novitas Insurance, please speak to a member of our team today.
You could opt to represent yourself when making a motorcycle accident claim. However, personal injury claims can be notoriously complex, especially when a claim is disputed. On top of this, you have to respect legal procedures, time limits, and know-how to negotiate a fair/acceptable level of compensation with an insurance provider. All this can prove daunting for anyone who has never had to file a claim losses and damages before.
A lot of people worry about the cost of pursuing a claim, but there is the option to seek legal representation from a solicitor who offers No Win No Fee terms. This is where we can be of assistance because we only take on claims on a No Win No Fee basis once we are satisfied a case is valid, and that it can be won whether through the courts or in an out of court settlement.
Other reasons why we think we could be of valuable assistance in pursuing a claim against an insurer supplied by Novitas Insurance are as follows:
- We have vast experience in negotiating with insurance providers
- We would ensure that a specialist or consultant examines your injuries so a detailed medical report is provided to support your claim
- We would keep you informed at every stage of the claim
- If your injuries are severe, and a final settlement takes longer to be agreed, we would ensure you are not put in any sort of financial hardship by negotiating interim payments for you
To discuss your claim against a policy acquired through Novitas Insurance, please contact a member of our team today.
If you seek compensation following a motorbike accident in which you were injured but are worried about the cost, you have the option to be represented by a No Win No Fee lawyer. In short, you would not have to find the funds to pay the solicitor in advance, which means there would be no retainer (upfront fee) and no ongoing fees to pay either.
A No Win No Fee solicitor would establish you have a strong claim for compensation and that a personal injury claim filed against an insurer provided by Novitas Insurance would have a more than average chance of being successful. Once this has been determined, you would sign the No Win No Fee agreement which provides details of the small percentage you would only pay when you are awarded compensation for the injuries and damage you sustained in the bike crash. The percentage is referred to as a ‘success fee’ and if your claim is unsuccessful, the fee would not be payable.
When you are awarded compensation, a No Win No Fee lawyer would deduct the amount owed from the money awarded. In short, you can claim compensation for injuries sustained in a motorcycle accident without financial risk.
For more information on No Win No Fee terms and how we can assist you in pursuing compensation for injuries sustained, please contact an adviser today.
To start your motorcycle accident claim against a policy provided by Novitas Insurance, please get in touch with one of our advisers which you can do in the following ways:
- By telephone on 0800 073 8801
- By email at email@example.com
- By filling out our online contact form by clicking here
For more information on split liability, please follow the link provided below:
If you suffered whiplash in a motorcycle accident and would like more information on the symptoms associated with this type of neck injury, please click on the link provided below:
Below, you can find details and statistics referred to above in relation to motorcycle casualties.
Guide by HW
Edited by REB