Bike damaged, stolen or in an accident?
- Prevent further loss or damage and ensure the safety of yourself and those around you
- If your bike is unrideable or unroadworthy, arrange for it to be towed to the nearest safe place
- Inform the police if something has been stolen or vandalised, or if required by law
- Take details of other involved parties and any witnesses
A dedicated claims officer will manage your claim. We may be able to make a decision on your claim if we have all the details or, we’ll let you know if we need to know more.
If your bike is safe to ride, you’ll need to get a quote from your repairer and we’ll help you through the repairs process. We’ll also assign a motor assessor to inspect the damage and help settle your claim.
We may write off your bike if it’s stolen or, it costs more to repair than its value. Then we’ll pay out your claim after we deduct any excesses, registration fees and premiums that apply.
If we authorise your bike’s repair, you can arrange when to drop it off to your repairer. All repairs we authorise have a guarantee on their quality and workmanship, for as long as you own your bike.
Frequently Asked Questions
An excess is the amount you agree to pay towards a claim. More than one excess may apply in some circumstances.
If we decide an accident wasn’t your fault, you may not need to pay an excess. If you do need to pay it, you may need to pay it to the repairer after they fix your bike.
If your bike isn’t damaged, you may still need to pay an excess to QBE for damage to other vehicles or property you cause. Check the Product Disclosure Statement (PDS) for your policy, to see what excesses may apply.
We may allocate a motor assessor (or insurance loss assessor) to assess your bike. They’ll assess the cost of parts and labour to repair or replace the damage on your bike.
Your motor assessor will provide an expert opinion on your bike’s damage or loss, under the guidance of our claims officer. They’ll:
- Review the circumstances of your claim
- Assess the damage or loss
- Help you get a repair or replacement quote
- Help our claims officer settle your claim.
They’ll make sure the repairer quotes you a suitable repair method to fix it. They’ll also check how practical, safe and economical it is to repair it, compared to paying you the market or agreed value of your bike before the accident.