Biker News - Regularly updated

Welcome to our News section, where articles are listed below and if relevant within the categories on the right, just to make it easier for you to find what you wish to read...

Please note that the content within our News section (text and images), follows the same copyright laws/notice as all other content on the website - ie not to be reproduced (including slightly amending) without prior consent. 

 RSS Feed

Category: Safety & Compensation

  1. Changing your motorcycle solicitor.

    Posted on

    The decision to change your motorcycle solicitor is never an easy one to make, but sometimes it is for the best.

    There can be many reasons for wanting to change to motorcycle compensation:

    your emails are never returned
    your calls are never returned
    they don’t seem interested in your case
    they don’t seem interested in your case
    you feel your solicitor is not fighting your corner
    your only point of contact is their secretary
    your case gets passed around
    your worried why your case isn’t settled yet
    you think they are only interested in their costs
    you doubt their expertise, they avoid technical questions
    they are taking far too long to settle your case
    you never fully understand what they’re doing
    you are concerned that you could be getting better advice and a better overall service
    you find out that they have never ridden a motorcycle and don't understand
    you get the impression that you are just another number
    you feel fobbed off…

    In most cases you won’t have to pay anything to your previous solicitor if you change.

  2. FILTERING – RIDING THE LINE – LEGAL OR ILLEGAL?

    Posted on

    Why do motorcyclists filter? The answer is, because they can!

    Guided by the brain of an experienced biker, a motorcycle is one of the smallest yet most powerful machines on the planet. Maneuverability is its second name and its ability to negotiate the tightest traffic jams has been accepted since traffic jams were born. But is it legal? Here we discuss filtering and its effect upon accident claims.  

    The relationship with cars and heavier vehicles is inextricably linked since it is they that we negotiate when filtering and furthermore it is they that usually send us flying across the road surface when they come into contact with us.  

    You have to go back to basics to understand your relationship with legality and who actually owes a duty of care to whom. Let’s start with the Highway Code and learn what it says. It is quite precise in what it says about the standard and duty of care of car drivers. (In this I also refer to ‘car drivers’ as meaning other road users of light and heavy goods vehicles.) Accidents are usually caused when vehicles are maneuvering whilst stuck in queues.

    We bikers like to refer to it as impatience. The Highway Code is quite specific when it refers to maneuvering in that it states   “You should be aware of what is behind and to the sides before manoeuvring. Look behind you; use mirrors if they are fitted. When in traffic queues look out for pedestrians crossing between vehicles and vehicles emerging from junctions or changing lanes. Position yourself so that drivers in front can see you in their mirrors. Additionally, when filtering in slow-moving traffic, take care and keep your speed low.”  

    So, just how many seem to forget this basic and simple rule of motoring? You don’t need a bead board to count them at rush hour.  It continues with this simple golden rule: “Remember: Observation – Signal – Manoeuvre”   Some say that rules are made to be broken, and so are necks and limbs, but that doesn’t make it alright.  

    Rule 204 states   “The most vulnerable road users are pedestrians, cyclists, motorcyclists and horse riders. It is particularly important to be aware of children, older and disabled people, and learner and inexperienced drivers and riders.”   Quite specific I would say. Whilst I don’t want to bore you with endless quotations I think that it is important to note what else is said in the Highway Code. These passages will be useful to you in the event of an accident, so we cannot emphasis strongly enough that you be aware of them.  

    Under the sub heading of ‘Motorcyclists and cyclists’, Section 211 says:   “It is often difficult to see motorcyclists and cyclists, especially when they are coming up from behind, coming out of junctions, at roundabouts, overtaking you or filtering through traffic. Always look out for them before you emerge from a junction; they could be approaching faster than you think. When turning right across a line of slow-moving or stationary traffic, look out for cyclists or motorcyclists on the inside of the traffic you are crossing. Be especially careful when turning, and when changing direction or lane. Be sure to check mirrors and blind spots carefully.”   Thereafter, section 213 states:   “Motorcyclists and cyclists may suddenly need to avoid uneven road surfaces and obstacles such as drain covers or oily, wet or icy patches on the road. Give them plenty of room and pay particular attention to any sudden change of direction they may have to make.”  

    The advice isn’t rocket science; it’s just a matter of using good road sense and using mirrors and making yourself aware of what is around you. But you must be aware that whether you are on a moped, scooter or high powered motorcycle, filtering is one of the most hazardous and dangerous things you can do. Perfectly legal; yes, but dangerous – very, very dangerous.   Motorcyclists are constantly aware of what drivers do, but that is not so of drivers who sometimes seem oblivious to motorcycles and scooters. Very recently the term ‘think bike’ was used to press the point home in a national campaign to make drivers aware of bikers. That should tell you something about the ‘driver’ mentality. At all times, we are aware of them but sometimes they are oblivious of us and that can be to our detriment. So what happened to that successful campaign? Like most useful campaigns it appears to have been shelved. Maybe they think that the message has got home, but whoever thought that could not be more wrong. Just visit any Orthopaedic ward and look at the long line of legs in plaster that say otherwise.

    Everybody recognises the vulnerability of motorcyclists when a collision occurs, and this is made quite plain in the Highway Code. But despite this, we constantly see cases where motorcyclists are persuaded to accept a certain amount of blame apportionment because some courts see filtering as being a contributory fact. In this legal system, cases are usually decided by considering earlier cases that are referred to as ‘precedents’. A precedent is where the facts of one case can be applied to another and the reason for deciding the case outcome is usually made by the Judge whose comments are taken into account. This ‘reason for deciding’ rule follows in all cases, and whilst sometimes it can be inappropriate to your case, the danger is that it can be used to persuade the court in favour of a driver as opposed to a motorcyclist.   There have been cases in the past where motorcyclists have been found to be 100% at fault when they have been filtering.  

    When it comes time to argue compensation in cases involving filtering or overtaking, contributory negligence is always argues against the motorcyclist. Being aware of your rights before you even visit your lawyer this can sometimes ensure that unreasonable arguments simply being made to save the Insurers money can be nipped in the bud.  

    In some countries they call it line riding, and in the US they call it ‘lane splitting’. There have been various attempts to argue the legality of this type of manouvre made by bikers over the years.   In Europe, the MAIDS Report was conducted using (OECD) standards in 1999–2000 and collected data on over 900 motorcycle accidents in five countries, along with non-accident exposure data (control cases) to measure the contribution of different factors to accidents. Four of the five countries where data was collected allow lane splitting or filtering, while one does not, yet none of the conclusions contained in the MAIDS Final Report note any difference in rear-end accidents or accidents during lane splitting.  

    It should be noted that the pre-crash motion of the motorcycle or scooter was lane-splitting or filtering in only 0.4% of cases, in contrast to the more common accident situations such as "Moving in a straight line, constant speed" 49.1% and "Negotiating a bend, constant speed" 12.1%. The motorcyclist was stopped in traffic prior to 2.8% of the accidents.   Preliminary results indicate that from a study in the United Kingdom, conducted by the University of Nottingham for the Department of Transport indicated that filtering and lane splitting is responsible for around 5% of motorcyclists that are killed or injured. It also found that in these cases where filtering took place the motorist or car driver is twice as likely to be at fault as the motorcyclist due to drivers "failing to take into account possible motorcycle riding strategies in heavy traffic". Maybe some would conclude that the results aren’t conclusive, but the indications point directly at car drivers as opposed to motorcyclists.  

    To conclude, what we are certain of is that in the majority of cases of collisions where car drivers pull into the path of motorcyclists, bikers get a raw deal if they are caught ‘filtering’. The stigma attached to this relatively harmless yet safe mode of traffic negotiation has become a dirty word in the eyes of some lawyers and insurance companies.   In short the word filtering has just become a stick with which to beat the poor old biker, yet again.   If you are going to filter, be aware at all times that you could be dubbed the aggressor. If that will satisfy the greed of the insurers and their defendant lawyers in their endless quest to save their shareholders money, then you must understand that you will have your work cut out for you in the event of an accident.  

    The biker’s motto should be: “Think once, think twice, think idiot!”...

    Remember this when referring to other drivers and you won’t go far wrong.

  3. What you can claim for after a Motorbike accident

    Posted on

    The legal terminology for claiming compensation is quite straight forward...

    PAIN, SUFFERING AND LOSS OF AMENIETY

    Pain and suffering after a bike accident is quite straight forward and almost every biker knows about pain and suffering! It is the amount of pain and suffering that you experience as a result of the bike accident. It is always wise to keep a diary on a daily basis to show the amount of pain you are experiencing. Put it in your own words, you will find it invaluable in the future. As well as your symptoms, it is also advisable to list the amount and type of medication you are on.

    Do not leave it all to the medical specialist and lawyers, as the more you do in this regard, the better the settlement is likely to be.

    Loss of amenity means exactly what it says. If you used to dance or engage in a particular sport or pastime before your bike accident, but can no longer do so because of the bike accident, then our bike lawyers will want to know about it. That also includes motorcycling. In some cases it is the only form of transport the claimant has, but in others, biking is purely a fun thing. Any loss of enjoyment is claimable.

    FINANCIAL LOSS AFTER A BIKE ACCIDENT

    This is commonly known as ‘out of pocket expenses’.

    This can be: Loss of earnings Loss of bonus or commission Travel costs where you are unable to ride or drive yourself. Prescription costs. Repair costs. Medical specialist cost. Legal costs. The cost of personal or domestic care. (This can be a relative or partner) Keep a diary off all the tasks they have to carry out for you and the amount of time they take to do it.

    Once again, we cannot emphasize the importance of keeping a diary of all costs accrued. Costs must be justifiable. You can reasonably be expected to be assisted in and out of bed when you have a broken leg after a bike accident. But this becomes unreasonable if you have a broken finger. Always be able to fully justify your costs and expenditure as your opponent’s lawyers will scrutinise these in minute detail in an effort to minimize what you are claiming for. Remember, a Judge will not look too favourably on a claim where the claimant has been found to have tried to exceed the bounds of reasonableness. One small instance of such an attempt can lead to your credibility being damaged, and thereafter your claim failing because the Judge simply cannot rely upon your word.

    Important to remember: Always keep receipts, as failure to provide written and documentary proof of your out of pocket expenses may result in them not being awarded at all.

  4. MOTORCYCLISTS MAKE FOR SAFER ROAD USERS... IN THEORY

    Posted on

    RIDERS DEFEAT DRIVERS IN TEST RETAKE

    Bikers regularly find themselves on the receiving end of drivers' fury for their alleged reckless behaviour on British roads. All an unfair situation, if we are to believe the findings of new research.

    To mark the 80th anniversary of the first driving test, motorcyclists went head-to-head against car drivers as they were subjected to a retake of the theory exam by specialist insurance brokers Carole Nash. The results found that when it comes to road knowledge, two wheels are definitely better than four.

    Based on the official DVSA quiz, it has revealed that those who own a motorbike licence fared better than their four-wheeled counterparts in 76% of instances – and more shockingly, that nearly one in five (16%) motorists would potentially fail their test were they to retake it, as opposed to only 6% of bikers.

    The research has highlighted road sign recognition as a major concern. Given eight to identify, car drivers finished behind riders in six categories and whilst 83% of bikers were able to correctly identify all eight test signs, only 67% of car drivers were able to replicate the feat.

    When it came to other areas of road safety, motorcyclists beat car users eight times out of ten. For instance, 92% of riders knew the correct answer to the question "When may you cross a double solid white line in the middle of the road?" (to pass a road maintenance vehicle travelling at 10 mph or less) as opposed to 71% of car drivers.

    Rebecca Donohue, Head of Marketing for Carole Nash, said: “Motorcyclists scored so highly because they must have their wits about them at all times. It's certainly an exhilarating way to travel, but it can also prove risky unless you are fully aware of everything around you and the rules of the road at all times. But more importantly, our study revealed that a rather considerable proportion of car drivers still do not know how to interpret and react to certain everyday road situations involving motorcyclists – something we believe should be addressed as soon as possible."

    Only 34% of car drivers were able to accurately point out the sign indicating that special care should be taken when overtaking a slow-moving motorbike.

    Additionally, four out of ten car drivers failed to showcase their understanding of why one should allow extra room when overtaking a motorcyclist on a windy day (the rider may be blown across in front of your vehicle). Unsurprisingly, riders scored very highly for both questions (89% and 95% respectively).

    The Motorcycle Industry Association (MCIA)'s Safety and Training Director, Karen Cole, said: "Many motorcyclists are also car drivers and what this survey shows is that experiencing the road using different modes of transport makes you a safer road user. This endorses the idea that motorcycling should be encouraged as a long-term strategy to improve road safety. This was one of the main proposals explored in a policy document written jointly by the National Police Chief’s Council (formerly ACPO) and the MCIA. It also supports our call for a single theory test for drivers and riders.”

    Following a preliminary round of research conducted last year, Carole Nash introduced a new policy entitled 'Bikers Only Car Insurance', whereby the company is guaranteeing not simply to match but to beat motorcyclists’ car insurance renewal quote, based on the premises that they make safer road users.

    Take the test yourself here

  5. Motorbike insurance – how to find the best deal

    Posted on

    Ensuring you have adequate motorbike insurance is as essential for a biker as having a helmet and leathers. However not all policies are the same so how do you know the policy you have provides all the cover you need?

    Know what to look for…

    Motorbike insurance is a legal necessity in the UK however many bikers just opt for the cheapest deal they can find. However, this can be a mistake as the cheapest deal may not offer the level of cover you require.

    Choose from:

    • Third party only: This covers liability for injuries to others and damage to their property.
    • Third party, fire and theft: All the protection of third party cover plus cover for your own bike against theft, attempted theft and fire damage.
    • Comprehensive: Everything that’s included in third party, fire and theft cover plus repairs to your own bike in the event of an accident (subject to policy exclusions). What’s offered under comprehensive motorbike insurance will usually vary between companies but typically includes medical expenses, accidental damage cover and personal accident cover.
    • Third party and third party, fire and theft policies are best suited to riders who are inexperienced or who have claims and convictions on their record as premiums for comprehensive insurance may be too high. A third party deal may also be suitable if you ride a relatively inexpensive bike.

    However, generally the more cover you have the better, which is why if you’re comparing comprehensive insurance you should examine the terms and conditions carefully to see exactly what is included in the policy – what is offered as standard by some insurance companies may not be included in other policies and there may also be optional extras to choose from – cover features for which you can pay an additional premium. Some of the policy options to look out for include: breakdown cover; legal expenses cover; a temporary replacement bike while yours is repaired; cover to ride other motorbikes (with the owner’s permission) in emergency situations; and travelling in Europe.

    What else should you consider?

    While the level of cover available should be your primary concern there are several other key factors that are worth considering while you shop around:

    • Excess levels: An excess is the amount you pay towards a claim. Usually this is split into a compulsory excess established by the insurance company itself and a voluntary excess, which is an additional amount you agree to pay, when taking the insurance out, in case a claim is necessary.
    • No-claims discounts: Making claims on your insurance costs your provider money – and so they rewards bikers who don’t make claims. Avoiding claims for four or more years could even reduce premiums by as much as 60 per cent.
    • Other discounts: There may be additional incentives offered by an insurer – for example you may get a discount for insuring more than one bike with the same company; and there may be discounts for buying online.
    • Policy exclusions: Read the terms and conditions of any policy that interests you carefully, and be on the lookout for exclusions (these are circumstances in which you will not be covered).

    So which company offers the best deal?

    There’s no set answer as to which motorbike insurance provider offers the best deal, or indeed which is the cheapest. This is because premiums can vary widely between insurers due to the assessments they make of how likely you are to make a claim – this can be influenced by factors including your riding history; your address – such as if you live in a busy traffic or high crime area; your annual mileage; your personal circumstances – do you use your bike as part of your job, for example; and the bike itself.

    Due to the contrasts in the way these factors are evaluated it makes sense to gather as many quotes as possible before settling on the best deal. A comparison website is a great starting point as the leading websites can compare policies from as many as 25 insurance companies. The key however, is to look beyond price alone (the cheapest deal is listed first) and also consider the level of cover you’re receiving.

    There are steps you can take to reduce premiums too – here are some quick tips:

    • Agree to a mileage limit: The fewer miles you travel, the lower the risk of an accident occurring.
    • Choose a suitable bike: Older bikes with smaller engines usually qualify for cheaper premiums as they are cheaper to repair/replace and less likely to travel at fast speeds.
    • Increase excess: Agreeing to a higher excess can lower premiums but keep it at a level you can comfortably afford.
    • Increase security: Consider adding electronic and mechanical security to reduce the risk of theft and park in a locked garage overnight.
    • Pay annually: By paying premiums upfront you can avoid interest charges.

    See our insurance section