Contents What our terms mean
Any word or expression which is United Kingdom Comprehensive
Introducing your Groupama Optima defined on this page is to have the England, Scotland, Wales, All parts of this policy apply.
Bike Policy 1 same meaning wherever it appears Northern Ireland, the Isle of Man
Our contract with you 1 in the policy documents irrespective and the Channel Islands.
(Third party fire and theft)
Choice of law 1 of its typeface or colour.
Great Britain All parts of this policy apply.
Cooling off period 1 You England, Scotland and Wales. Part A1 and Part B will only apply
The policyholder whose name is for loss or damage resulting from
Our customer care policy 2 on the schedule or, in the event of Excess fire or theft or an attempted theft.
your death, your legal personal The first amount of any claim which
Loss or damage 4 you will be responsible for if your TPO
Loss of or damage to your motorcycle, motorcycle is lost, stolen or (Third party only)
its accessories or spare parts 4 We, Us, Groupama Insurances damaged. All parts of this policy apply
Groupama Insurance except for Part A1 and Part B.
Liability to others 6 Company Limited. Young Rider
A person under 30 years old at the F&T
Cover provided for you 6 Your Bike or Your Motorcycle (Fire and theft only)
time of an event which you or
Cover provided for other people 6 Any bike, motorbike or motorcycle they may be entitled to claim for. Part A1 of this policy applies but
Cover for legal personal for which you have a current only for loss or damage resulting
certificate of motor insurance Inexperienced Rider from fire or theft or an attempted
under this policy. A person who has a provisional theft.
Hospital treatment 7 licence or a person who has held a
Certificate of Motor Insurance Accessories
Use abroad 8 full licence for less than 12 months
Evidence that you have motor Items which are permanently
at the time of an event which you
insurance as required by law. attached to your motorcycle.
Additional benefits 9 may be entitled to claim for.
Helmets, gloves and other items
No claim discount 9 Pollution or Contamination
The Schedule you wear are not included.
All pollution or contamination of
Cover when your motorcycle is being buildings or other structures or of The schedule attached to this Acts of Terrorism
serviced, overhauled or repaired 9 water or land or the atmosphere. policy. Please read the schedule The use or threatened use of any
New motorcycle benefit 10 carefully as it sets out the cover action, force or violence by any
All injury loss or damage we will give you under this policy.
Hotel or travel expenses 10 person or group of people
directly or indirectly caused by the
We will give you a replacement whether acting alone or on behalf
General exceptions 11 pollution or contamination.
schedule whenever you renew the of any organisation or
Market Value policy or if you make any changes government committed for
Policy conditions 12 The cost of replacing your motorcycle political, religious, ideological or
to the policy during the period of
A guide to making a claim 14 with a motorcycle of the same make, insurance. similar purposes including the
model, specification, age, mileage intention to influence any
What to do in the event of and condition as your motorcycle The terms used in the schedule to government or to intimidate
was immediately before the loss or define the cover have the and/or put in fear the public or
an accident Back cover
damage you are claiming for. following meaning: any section of the public.
Introducing your Groupama Optima Bike policy
Our contract with you The law which applies to To cancel your policy, please contact the insurance
broker or intermediary who sold you your policy.
This policy is a contract solely between you and us. It our contract
is not intended that the Contracts (Rights of Third You and we can choose the law which will apply to To get a refund, you must return this policy and any
Parties) Act 1999 should confer any additional rights this contract. We have decided the law which will certificate of motor insurance or cover note.
under this policy in favour of any third party. apply will be the law of the country in which you live.
The proposal (or any statement of fact or statement If you do not live in England, Wales, Scotland,
of insurance prepared from information you have Northern Ireland, the Channel Islands or the Isle of
provided) and declaration you make are part of this Man, the law which will apply is the law of England
contract. The schedule, any endorsements and the and Wales.
certificate of motor insurance are all part of this
policy. You must read them all as one document. We
will insure you against legal liability, loss or damage IMPORTANT
under the sections shown in the schedule during any Please read this policy, schedule, any endorsements
period of insurance set out in the schedule. You and certificate of insurance carefully and make sure
must keep to the conditions of this policy. that they meet your needs. If you have any queries
please contact your broker or intermediary who will
The cover applies throughout Great Britain, be glad to help you. Please keep this policy,
Northern Ireland, the Isle of Man, Channel Islands schedule, any endorsements and certificate of
and any other country which is a member of the insurance in a safe place. You may need to refer to
European Union except when we say otherwise. them if you make a claim.
Your motorcycle is also covered when in transit within
these countries and between any of their ports. Cooling off period
We hope that you will be happy with your insurance
On behalf of Groupama Insurance Company Limited.
policy. However, if this policy does not meet your
needs you have 14 days from the date you received
your policy documents to cancel the policy and get a
full refund. (We will not give you a refund if you
François-Xavier Boisseau have claimed for the total loss of your motorcycle or
CHIEF EXECUTIVE OFFICER
an incident has happened where you could make a
claim for a total loss).
Our customer care policy
Step 1 Phone: 0161 834 9888 Calls to 0870 numbers will cost no more than
We are committed to treating our customers Fax: 0161 839 9143 call to 01 or 02 numbers in the UK. Calls from
fairly. However, we realise that there may be Email: underwritingcustomerservice@ mobile phones may cost more.
times when things go wrong. If this happens, groupama.co.uk
please use the most suitable contact from the Step 3
following list. Please tell us your name and your Step 2 Financial Ombudsman Service
claim number or policy number and the reason If you are not happy with our response If you are still not happy with our final
for your complaint. to your complaint, please write to our decision, you may be able to pass your
Chief Executive at: complaint to the Financial Ombudsman
We may record phone calls. Groupama Insurances Service (FOS). The FOS is an independent
6th Floor organisation and will review your case.
For complaints about claims, contact the One America Square
Claims Centre Manager at: 17 Crosswall Their address is:
Groupama Insurances London The Financial Ombudsman Service
Personal Insurances Claims Centre EC3N 2LB South Quay Plaza
1 Port Way Phone: 0870 850 8510 183 Marsh Wall
Port Solent Fax: 020 7264 2860 London
Portsmouth E14 9SR
Hampshire We promise to: Tel: 0845 080 1800
PO6 4TY ■ acknowledge your complaint within five
Phone: 0870 240 1895 days of receiving it; You can visit the Financial Ombudsman
Fax: 023 9220 5495 ■ have your complaint reviewed by a senior Service website at www.fos.org.uk
Email: firstname.lastname@example.org member of staff;
The ombudsman’s service is available to
■ tell you the name of the person managing
For complaints about policy personal policyholders. Their service is also
your complaint; and
administration and documents, contact open to charities, trustees and small
■ respond in full to your complaint within 28
the Operations Manager at: businesses with income or assets within
days. If this is not possible for any reason,
defined limits. You can get more information
Groupama Insurances we will write to you to explain why we
from us or the ombudsman.
Groupama House have not been able to settle the matter
60 Spring Gardens quickly. We will also let you know when
Manchester we will contact you again.
If you take any of the action mentioned
above, it will not affect your right to take
Financial Services Authority
Groupama Insurance Company Limited is
authorised and regulated by the Financial
Services Authority. You can check their
website (www.fsa.gov.uk), which includes a
register of all firms they regulate. Or you
can phone them on 0845 606 1234.
Financial Services Compensation Scheme
We, Groupama Insurance Company Limited,
are covered by the Financial Services
Compensation Scheme (FSCS).
If we fail to carry out our responsibilities
under this policy, you may be entitled to
compensation from the Financial Services
Compensation Scheme. Information about
the scheme is available at www.fscs.org.uk
or by phone on 020 7892 7300.
Loss or damage
Loss of or damage to your most we will pay is the manufacturer’s last of delivering it to your address in the United
quoted list price in the United Kingdom for an Kingdom.
motorcycle, its accessories
equivalent accessory or part. We may use If your motorcycle is damaged by something
or spare parts (Part A1) accessories or parts, including recycled parts, covered under this policy you must:
which are not made or supplied by the ■ do whatever is necessary to protect your
What is insured: manufacturer of your motorcycle but are of a motorcycle and its accessories; and
If your motorcycle is lost, stolen, or similar type and quality to the parts we are ■ report the incident to us as soon as
damaged, we will either: replacing. We will not be responsible for possible. Please refer to page 14 to 16 for
■ repair the damage; additional storage costs caused by the full information on the reporting of
■ replace what is lost or is damaged unavailability of an accessory or spare part nor claims.
beyond economical repair; or the cost of importation of any accessory or
part into the United Kingdom. For details relating to audio and satellite
■ pay you cash for the amount of the loss
navigation equipment, please read your
The most we will pay is the market value of schedule.
We have the right to choose which action to your motorcycle, accessories and spare parts
at the time of the loss or damage. In the For details relating to loss of keys and
take in the case of any claim.
event we cannot determine the market replacement of locks, please read your
Accessories and spare parts which are only value, we will not pay more than the schedule.
for your motorcycle, and are on your amount for which you insured them. If your
motorcycle, at the time of the loss or motorcycle is under a hire purchase or
damage, will be covered in the same way. leasing agreement, we will pay any claim to
the legal owner.
If a replacement for any damaged accessory
or part of your motorcycle is not available If your motorcycle cannot be ridden because
we will pay the value of the accessory or part of the loss or damage covered under this
at the time of the loss. We will not pay more policy we will pay the reasonable cost of
than the manufacturer’s last quoted list price protecting your motorcycle and taking it to
in the United Kingdom for the accessory or the nearest competent repairer. After it has
part. If such a list price is not available the been repaired we will pay the reasonable cost
What is not insured: ■ loss of your motorcycle by deception by Young riders & inexperienced riders: If
someone who claims to be a buyer or a your motorcycle or any of its accessories and
This applies to all claims under Part A1
buying or selling agent; spare parts are damaged while it is being
of the policy.
■ any further damage caused after an ridden by a young rider or an inexperienced
We will not pay for any of the following: accident due to your motorcycle being rider, you will be responsible for the first
■ any excess shown in the schedule; used under its own power; part of the cost, on top of any compulsory
■ loss of use, loss of value, wear and tear; ■ loss of or damage to any telephone and voluntary excesses set out in your
■ mechanical, electrical, electronic or communication, satellite navigation schedule, as shown below.
computer failures or breakdowns; equipment, radio, cassette, disc player or
■ damage to tyres from braking or by road similar apparatus or accessories or parts Young rider Amount you pay
punctures, cuts or bursts; of any such apparatus. This does not Under 21 years £150
■ loss, destruction or damage caused apply if there is an endorsement in the 21 - 24 years £100
directly by pressure waves caused by schedule saying otherwise; 25 - 29 years £50
aircraft and other aerial devices travelling ■ loss of or damage to your motorcycle Inexperienced rider £50
at or above the speed of sound; caused by any government or public or
■ any reduction in the market value of local authority legally taking, keeping or You will not have to pay the amount stated
your motorcycle following any repair destroying your motorcycle; if the damage is caused by fire, theft,
whether or not as a result of any claim ■ loss or damage resulting from the attempted theft or malicious damage.
under this policy; repossession of the motorcycle or
■ loss of or damage to any trailer, sidecar restitution to its rightful owner; or
or caravan whether or not it is being ■ loss or damage to your unattended
towed by or attached to your motorcycle; motorcycle if the keys (or any alternative
■ loss or damage as a result of a deliberate electronic or mechanical device designed
act by anybody insured by this policy; to operate the ignition systems of the
motorcycle) are in or on your motorcycle.
Liability to others
Cover provided for you motorcycle is acquired and details notified to What is not insured:
us within seven days of the disposal of the
(Part A2) originally insured motorcycle.
This applies to all claims under Parts A2 and
A3 of the policy.
What is insured: We will not pay for any of the following:
This policy covers you for: Cover provided for other
■ loss of or damage to property belonging
■ all you legally have to pay for the death of or people (Part A3) to, or in the custody or control of, any
personal injury to any person as a result of an
person insured under this part of the
incident involving your motorcycle; and What is insured: policy;
■ damage to any property as a result of an If you ask, we will provide the same cover to ■ anyone riding your motorcycle who has
incident involving your motorcycle, but the the following people: never held a licence to ride it or who is
indemnity against liability including all costs, ■ anyone you allow to ride your motorcycle disqualified from holding or applying for
expenses and indirect losses other than those if allowed by your certificate of motor such a licence;
covered under legal expenses (Part A5) for
insurance; ■ anyone who fails to keep to any of the
such damage is limited to £20,000,000 in
■ anyone you allow to use your motorcycle terms, exceptions, conditions and
respect of any such incident or series of
for social domestic and pleasure purposes endorsements of this policy;
incidents arising out of one event.
(this does not include riding); ■ anyone entitled to cover under any other
The same cover will apply if you are riding in ■ anyone travelling on or getting on or off policy;
the United Kingdom any other motorcycle your motorcycle; and ■ liability for the death of or injury to any
which the certificate of motor insurance ■ your employer for any motorcycle you or person arising out of their employment by
allows you to ride providing you have the they use and which is covered by this any person insured under this policy
owner’s permission to ride and the vehicle policy. Your employer must have your except as required under the Road Traffic
insured under this policy has an engine size permission and the rider and use must be Acts; or
of 351cc or more. allowed by your certificate of motor ■ loss of or damage to any motorcycle being
insurance. Except for your motorcycle any used or ridden under this part of the
You must inform us immediately of the such motorcycle must not belong to or be policy.
disposal of your motorcycle as shown on your hired to your employer.
certificate of motor insurance. All cover under
this policy will cease unless a replacement
Cover provided for legal Proceedings for manslaughter or Hospital treatment (Part A6)
causing death by dangerous driving
or causing death while under the
(Part A4) What is insured:
influence of drink or drugs: We will pay
We will pay hospital treatment fees as
for legal services to defend anyone insured
What is insured: under this policy if proceedings are taken
required under the Road Traffic Acts.
If anyone insured under the policy dies we against them for manslaughter or causing
will transfer to their estate the protection death by dangerous driving or causing death
we provide under this policy. while under the influence of drink or drugs.
The following conditions apply to this cover:
Legal expenses (Part A5) ■ you must ask us to provide and we must
agree to provide the cover;
What is insured: ■ liability for the death(s) giving rise to the
General representation: If we give our proceedings must be covered under this
prior written permission we will pay the fee policy; and
for a solicitor to: ■ the event causing the death(s) must have
■ represent any person insured under this happened in the United Kingdom.
policy at any coroner’s inquest or fatal
accident inquiry; and
■ defend any person insured under this
policy in a court of summary jurisdiction
in connection with any accident which
you may be able to claim for under Parts
A2 or A3 of the policy.
Foreign use (Part A7) European Commission Directives; or Directives on motor insurance.
■ any claim arising out of the use of your
motorcycle in any country outside the For travel outside these countries a Green
What is insured: Card will be issued showing the countries
European Union that does not meet the
This policy provides cover to use your and dates for which the wider policy cover is
European Commission Directives.
motorcycle in any country which is a being provided.
member of the European Union.
This policy provides the minimum cover you If we agree we will provide the wider cover Customs duty/delivery
need by law in any other country which shown in your schedule while your motorcycle costs
agrees to meet European Commission is being used outside the European Union or If your motorcycle cannot be ridden because
Directives on motor insurance and satisfies while your motorcycle is in transit between of loss or damage covered by this policy and
the European Commission that it has made the European Union and any other country subject to prior agreement, we will pay the
arrangements to meet the requirements of which we have agreed to provide cover for. reasonable cost of delivering your
these Directives. motorcycle to your address in the United
For this wider cover to apply you must: Kingdom and any customs duty you have to
We will automatically extend this cover to ■ request us to provide the cover before pay as a direct result of the loss or damage.
that shown in your policy schedule for these your departure;
countries subject to your trip length not ■ tell us which countries you are visiting; Riding of other motorcycles
exceeding 90 days and being of a temporary ■ tell us your date of departure and return; Part A7 of the policy applies only to your
nature (such as a holiday). and motorcycle. If your certificate allows you to
■ pay any required additional premium. ride any other motorcycle, that cover does
What is not insured: not apply outside the United Kingdom.
Unless we have agreed to extend full policy International motor
cover for use of your motorcycle outside the insurance certificate
European Union, we will not pay for any of
■ loss of or damage to your motorcycle or A Green Card is no longer required for travel
its accessories and spare parts; within those countries which are members
■ any third party liability which is more of the European Union or which meet the
than the minimum cover required by the requirements of the European Commission
Additional benefits – all policies
No claim discount Cover when your
1. If no claim is made you will qualify for a motorcycle is being
no claim discount. You cannot transfer serviced, overhauled or
your no claim discount to someone else.
We will allow the maximum no claim
The level of cover specified on your
discount if you do not claim for
certificate of motor insurance continues to
apply to your motorcycle when it is in the
2. If we pay emergency treatment fees hands of a motor trader, carrying on a
under the Road Traffic Acts it will not business from a motor trade outlet or
affect your no claim discount. premises for service, overhaul or repair.
3. You can ask us for information on how On such occasions we will ignore the
your no claim discount may be affected limitations about riding and use described in
by a claim. your certificate of motor insurance.
Additional benefits – comprehensive policies only
New motorcycle benefit Hotel or travel expenses
(Part B4) (Part B6)
What is insured: What is insured:
If your motorcycle is stolen and not recovered If your motorcycle cannot be ridden after an
or is damaged and the cost involved in the accident or loss covered by this policy, we
repair will be more than 70% of the purchase will pay:
price (including motorcycle tax and VAT) at ■ up to £50 for the first rider of the
the time of the loss or damage we will motorcycle to stay in a hotel for one night
replace your motorcycle with a new if you cannot continue your journey until
motorcycle of the same make and model. the next day; or
■ travel expenses of up to £100 in total for
We will only do this if your motorcycle is less the first rider and any pillion who was
than six months old from the date of first travelling on the motorcycle.
registration as new in your name and a
replacement motorcycle is available. The most we will pay for any one event is
We will only replace your motorcycle if you
and any other known interested parties
agree. The motorcycle being replaced will
become our property.
If we cannot obtain a replacement
motorcycle of the same make and model we
will pay you the purchase value of your
motorcycle and its fitted accessories and
spare parts at the time of the loss or damage.
General exceptions – applicable to all of the policy
1. This policy does not apply when any 3. Except as required under the Road Traffic ■ aircraft parking areas and associated
motorcycle covered by it: Acts, this policy does not cover any loss or roads, and ground equipment parking,
■ is being ridden by or is in the charge of damage caused by war, invasion, act of maintenance and refuelling areas; or
any person not allowed to do so under foreign enemy hostilities (whether or not ■ customs examination areas of passenger
your certificate of motor insurance; war is declared), civil war, rebellion, terminals.
■ is being used other than for the purposes revolution, insurrection, military or
shown in your certificate of motor usurped power or acts of terrorism. 7. We will not be liable for death of or bodily
insurance; injury to any person or damage to property
■ is being ridden with your permission by 4. This policy does not provide cover except directly or indirectly caused by pollution or
any person who you know has never held under Parts A2, A3, A4, A5, A6 for any contamination unless the pollution or
a licence or is disqualified from holding or accident, injury, loss or damage caused by: contamination is directly caused by a
applying for one; ■ earthquake; or sudden, identifiable, unintended and
■ is being ridden by, or in the charge of, a ■ riot or civil commotion if it happens unexpected event which happens in its
person who is not complying with the outside Great Britain, the Isle of Man or entirety at a specific time and place during
conditions or limitations of their driving the Channel Islands. the period of insurance. We will treat all
licence, unless we must provide cover pollution or contamination which arises out
5. This policy does not cover any loss, of one event as having happened at the
under the Road Traffic Acts; damage or legal liability directly or
■ is towing for reward a trailer or disabled time the event took place.
indirectly caused by:
mechanically propelled vehicle; ■ ionising radiations or contamination by This exception will not apply in
■ is towing more than one trailer or radioactivity from irradiated nuclear fuel circumstances where we have to meet any
disabled mechanically propelled vehicle at or from any nuclear waste from the compulsory motor insurance laws.
any one time; or combustion of nuclear fuel; or
■ is being ridden by you, if you do not hold ■ the radioactive, toxic, explosive or other 8. We will not pay the claim and all cover
a licence to ride that type of motorcycle hazardous properties of any explosive under the policy is forfeited if you or
or you are disqualified from holding or nuclear assembly or nuclear component of it. anyone acting for you makes a claim
getting a licence. under the policy knowing the claim to be
6. We will not pay for any liability, injury, false, fraudulently inflated or supported
2. This policy does not cover any liability damage or accident while the motorcycle by fraudulent documents or if loss,
incurred as a result of an agreement or is parked or is being ridden in any part of damage or injury is caused by your wilful
contract unless that liability would have an airport or airfield set aside for: act or with your connivance.
existed otherwise. ■ moving, taking off or landing of aircraft;
Policy conditions – applicable to all of the policy
1. You or your legal personal 5. You must do all you can to protect your Up to three months cover - 50%
representatives must give us in writing as motorcycle and keep your motorcycle in Up to four months cover - 37.5%
soon as possible full details of any event a road worthy condition. Up to six months cover - 25%
which could lead to a claim under this Up to eight months cover - 12.5%
policy. You must also send us unanswered If we ask you must let us examine your Over eight months cover - no refund
any letters, notices, writs or summonses motorcycle at any reasonable time.
you receive to do with the claim. If you The policy will only be deemed to have
6. Your motorcycle must have a current been cancelled from the date we receive
know of any possible prosecutions,
MOT certificate if applicable. the certificate of motor insurance. We or
inquests or fatal accident inquiries you
must tell us immediately in writing. 7. The insurance cover this policy provides our authorised agent may cancel this
depends on the terms, exceptions, policy by giving you seven days’ notice
2. You must not admit responsibility or by letter. We will send this notice to
conditions and endorsements in this
offer or promise anything without our your last known address (and in the
policy document and the schedule
written permission. case of Northern Ireland to the DVLNI).
which must be read as one document.
Everyone claiming cover must do We will refund part of your premium on
3. If we wish we may take over and deal a pro rata basis. You must send us your
with your claim in your name. We may everything the policy requires for it to
stay in force. certificate of motor insurance for us to
also pursue any claim to recover for our proceed with the cancellation.
benefit any money we have paid out
8. In the first year of your policy, you can
under this policy. Anyone claiming cover 9. If we accept a claim under Part A1 of
cancel this policy at any time by writing
under this policy must give us whatever this policy but cannot agree the amount
to us and at the same time sending to us
information and help we need. to be paid we will pass the matter to an
your certificate of motor insurance. As
long as you have not made a claim under arbitrator.
4. If at the time a claim is made under this
policy any other policy exists that would the policy or an incident has not The arbitrator will be appointed in
cover the claim, we will pay only our occurred which may give rise to a claim, accordance with the law in force at the
share of the claim unless it says we will refund part of your premium on time. The arbitrator must have made a
differently in this policy. the following basis: decision before you can take legal
Up to one months cover - 75% action against us.
Up to two months cover - 62.5%
10. If the law of any country in which you 13. If your motorcycle is damaged and is ■ you get a new job (full or part-time)
are covered by this policy says we must uneconomical to repair (written off) or take on a second job;
settle a claim which we would not and we agree to settle your claim on ■ you make changes to your
otherwise have paid we can ask you or that basis you will still owe us the full motorcycle (including fitting security
the person who incurred the liability to annual premium as we will have met all devices); or
pay us that amount. our responsibilities to you under this ■ you develop any physical or mental
problem that affects your ability to
policy. All cover will cease and you must
11. If you do not pay a premium we will ride.
send us any documentation that we
not provide cover from the date the require.
premium was due. This is not a full list. If you are not sure
14. During the period of your policy, you whether you need to tell us about a
12. Under Part A2 of your policy, in respect change in circumstances, tell us anyway.
must tell us about any changes which
of a claim(s) arising out of damage to may affect your cover. If you fail to do When you renew your policy you must
property caused by or in connection with so, your policy may not be valid and we tell us about:
your motorcycle, we may at any time: may not pay your claim. For example: ■ any of the changes above;
■ pay to you the amount of indemnity
■ any event that could lead to a claim ■ if you or any rider has received any
provided by this policy to a maximum under this policy (whether claimed motoring conviction, including fixed
of £20 million (after deduction of for or not); penalties; and
payments already made); or ■ you want to change the riders ■ if you or any rider has received any
■ pay any less amount for such claim(s) insured under this policy; criminal convictions, cautions or
to be settled. ■ you move house or change the place fines.
you keep your motorcycle;
From the date of such payment we shall ■ you expect to do fewer or more You or any rider do not need to
relinquish control of the negotiations and miles each year; disclose any conviction regarded as
legal proceedings in connection with such ■ your name changes (for example, by spent under the Rehabilitation of
claim(s) and we shall be under no further marriage); Offenders Act.
liability except for costs and expenses ■ you change your motorcycle or the
incurred with our written consent prior owner of your motorcycle changes;
to the date of such payment. ■ you change what you use your
motorcycle for (for example, you
start using it for business purposes);
A guide to making a claim
If you are involved in an Getting your motorcycle to you, you will need to pay the repairer any
policy excess or contribution which may be
accident or your motorcycle repaired applicable.
is stolen If your motorcycle needs to be repaired we
Call Claimline on 0870 240 1895* as soon as have a nationwide network of partnership
possible after the incident has occurred. repairers who can arrange to start work on If your motorcycle is a total
Assistance is available on this number your damaged motorcycle with minimum loss
24 hours a day. delay. Simply call Claimline and we will If your motorcycle cannot be repaired or the
contact the nearest partnership repairer for repair costs exceed the market value of the
you. Collection and redelivery to your home motorcycle it will be declared a total loss.
The information you will can be arranged if required. Under our
need to provide to us: partnership repairer scheme there is no need Once this is determined, we will immediately
■ your policy/certificate number; for you to obtain repair estimates. move your motorcycle to a place of free
■ your personal details and those of the storage so please make sure that, wherever
rider; and Partnership repairers have been specially possible, all your personal effects are
■ full details of the incident and any other chosen by us to ensure a high standard of removed from your motorcycle.
parties involved. service and provide high quality repair work,
with a three year warranty. Their quality is You should be aware all total loss claims are
constantly under review by our own team placed on an industry-wide register to protect
The claim form of engineers. against fraud, and this information is shared
This will be completed over the telephone between insurance companies.
when you call Claimline. If necessary the When repairs are complete
claim form will be sent to you for checking Before a settlement can be made you will
The repairer will let you know when your need to provide us with the following
motorcycle repairs are complete. When you documents:
collect your motorcycle or when it is delivered ■ your certificate of motor insurance;
■ the vehicle registration document (V5);
■ the MOT test certificate (if applicable);
Claimline 0870 240 1895*
*Calls to 0870 numbers cost no more than calls to 01 or 02
national numbers. Calls made from mobile phones may
(0044 23 9220 5450 if outside United Kingdom) cost more.
■ all sets of keys; Please note that for reasons of safety and to involved in the accident. Forward any third
■ the motorcycle purchase receipt; prevent fraud, we actively discourage the party correspondence to ourselves
■ details of any outstanding finance retention of motorcycles declared a total loss, unanswered. Do not attempt to deal with
relating to the motorcycle; and by policyholders. We are therefore unable to any claim yourself unless agreed by us.
■ any other documentation that you may offer any further cover on such motorcycles
wish us to take into account when valuing and all such requests will be declined. General information
your motorcycle such as the motorcycle’s
If your motorcycle is stolen Cherished or personalised
Sending the documents to us direct If your motorcycle is stolen and recovered with number plates
will avoid any unnecessary delay in issuing damage, it will either be repaired or a total If your motorcycle is stolen and not recovered
your settlement cheque. loss payment made in the manner already or rendered a total loss you should contact
described. If the motorcycle is not recovered the DVLA at the earliest opportunity to make
An engineer will contact you to agree a this will also be treated as a total loss. the necessary arrangements to transfer the
valuation of your motorcycle subject to the plate to a replacement motorcycle. Failure to
deduction of any applicable policy excess, any We may arrange for a Groupama Insurances do so could delay your claim.
outstanding finance and any premium yet to representative to visit you to help us with
be paid. Please note that in such circumstances, our investigation of theft claims.
you still owe us the full annual premium as we
Uninsured loss recovery
When making a claim any costs incurred
have met all our responsibilities to you under If a third party is involved which are not included under your policy,
the policy. DO NOT ADMIT LIABILITY. Obtain names, such as the excess, are known as ‘uninsured
addresses and telephone numbers of those losses’. If you are not at fault then you may
Once you have accepted this amount and
involved (eg. drivers, passengers, pedestrians be entitled to recover these from the known
subject to all information and documentation
and witnesses). Please also obtain insurance third party. You may have separate cover
being in order, we will issue you with a
details for any vehicle(s) involved and offer to assist in this recovery. Check your
cheque within seven working days.
your insurance details to anyone documentation or contact the third party or
their insurers directly for reimbursement.
Claimline 0870 240 1895*
*Calls to 0870 numbers cost no more than calls to 01 or 02
national numbers. Calls made from mobile phones may
(0044 23 9220 5450 if outside United Kingdom) cost more.
Data Protection Notice Persons with a valid claim in respect of a road We can supply on request further details of
traffic accident (including citizens of other the databases we access or contribute to.
Please take a few minutes to read the
countries) may also obtain relevant
following paragraphs carefully as they
information which is held on the MID. Claims history
contain important information relating to the
details that you have given us. You should You can find out more about this from us, Under the conditions of the policy you must
show this notice to any other party related to or at www.miic.co.uk. advise us about any insurance related
this insurance. incidents whether or not they give rise to a
We are required to send you this information Fraud prevention, detection
to comply with current data protection and claims history When you advise us about an incident the
legislation. It explains how we may use your In order to protect the interests of our information will be passed to appropriate
details and tells you about the systems we policyholders and to prevent and detect databases including the Claims Underwriting
have in place that allows us to detect and fraud we may at any time: Exchange register.
prevent fraudulent applications and claims. ■ share information about you with other
The savings that we make help us to keep We may search the register and other
organisations and public bodies including
premiums and products competitive. databases when:
■ you apply for insurance;
■ check and/or file your details with fraud
■ in the event of any accident or claim; or
Motor Insurance Database prevention agencies and databases; and
■ at time of renewal;
Your policy details will be added to the Motor ■ undertake credit searches and additional
to validate your claims history or that of any
Insurance Database (MID), run by the Motor fraud searches.
person or property likely to be involved in
Insurers Information Centre (MIIC). MID data the policy or claim.
may be used by the DVLA and DVLNI for the If you provide false or inaccurate information
purpose of Electronic Motorcycle Licensing and and fraud is identified, details will be passed
by the Police for the purpose of establishing to fraud prevention agencies and databases
whether a rider’s use of the motorcycle is likely to prevent fraud and money laundering.
to be covered by a motor insurance policy
and/or preventing and detecting crime. If you Please refer to our website
are involved in an accident (in the UK or www.groupama.co.uk for further details
abroad), other UK insurers, the Motor Insurers’ explaining how the information held by
Bureau and MIIC may search the MID to obtain fraud prevention agencies may be used.
relevant policy information.
What to do in the event of an accident
If you are involved in an accident or 4. DO NOT admit blame or offer 7. Theft
your motorcycle is stolen call any payment If your motorcycle is stolen, you
Claimline on 0870 240 1895* – Accidents are stressful, but it is should report the matter to the
assistance is available on this number essential that you do not admit police as soon as possible.
24 hours a day. blame, or make any offer of
payment. This is due to the fact 8. Note
The following guidelines will help
that it could make it more It will help speed up your claim if
us to help you with your claim.
difficult for us to manage your you have all your documents to
1. STOP claim and may also affect your hand, such as:
rights. ■ certificate of motor insurance;
If you have an accident with:
■ driving licence;
■ another vehicle;
■ a pedestrian;
5. Record all the facts ■ registration document; and
■ an animal (livestock);
Record all the facts of the accident ■ MOT certificate (if applicable).
■ a dog; or
as soon as possible, regardless of We will then guide you through
■ another person’s property.
how trivial the incident may seem the claims process.
You must STOP at once. at the time – they may help prove
your case. What happens next is
2. Exchange all details ■ A rough sketch of the scene on page 14 – entitled:
Important information is: showing all the positions of A guide to making a claim
■ the names and addresses of all the vehicles involved, the road
those involved (including those signs, markings, width, skid
of any witnesses); marks, obstructions, where the
■ insurance company details incident happened and the road CLAIMLINE
(including policy numbers if names can help.
known); and ■ A note of the weather 0870 240 1895*
■ registration numbers of the conditions, visibility and NOTE : It is important that you only use these
vehicles involved. conditions of the road is also numbers in connection with a claim.
3. Show your certificate of motor ■ If you have a camera handy, all If phoning from outside
insurance the better – take a photograph United Kingdom
■ If someone is injured in the of the accident scene and any
accident, you must show our
certificate of motor insurance
damage. 0044 23 9220 5450
to anyone who has a good 6. Letters and documents
reason for asking to see it. All letters and documents you *Calls to 0870 numbers cost no
■ You must also report the receive to do with the incident more than calls to 01 or 02 national
matter to the police within 24 should be forwarded to us numbers. Calls made from mobile
hours of the incident, and also unanswered. phones may cost more.
show them your certificate of
CLaimLiNe: 0870 240 1895*
NOte: It is important that you only use these numbers in
connection with a claim.
* Calls to 0870 numbers cost no more than calls to 01 or 02
national numbers. Calls made from mobile phones may cost more.
Groupama Insurance Company Limited. Authorised and regulated by the Financial Services Authority.
Registered in England Number 995253 Registered Office: 6th Floor, One America Square, 17 Crosswall, London, EC3N 2LB. www.groupama.co.uk