Make a Claim

I had a motorcycle accident! Now what...

It's the little things we do that help get your motorcycle (and your life) back, fast. For assistance with motorcycle insurance claims call us immediately! 24 hours a day, 7 days a week.

Call 13 25 24 - Claims Made Easy

At Suncorp, we understand that our customers appreciate having helpful information about the claims process.

Our 'Claims Made Easy' site includes the following information for Motorcycle Insurance claims:

• How claims work
• What should I do if I have an accident?
• What should I do if my motorcycle is stolen?
• What should I do if someone makes a claim against me?
• Excesses
• Suncorp - Minimizing your inconvenience
• How do I report insurance fraud

Lifetime Repair Guarantee - The quality of materials and workmanship used in authorised repairs are guaranteed for the life of your motorcycle, even if you no longer own it. This means that we will fix any problems caused by faulty material or workmanship.

How Claims Work:

Every claim is unique and the process varies, however below is a typical claim example.

1. Call 13 25 24 and speak to one of our friendly Insurance Consultants.
2. We will record the details of the incident including:
   • Your name, address and contact phone numbers.
   • The registration, make, year and model of your motorcycle.
   • Details of who was driving the vehicle or responsible for it at the time of the accident.
   • Details of any other person or vehicle involved, including name, address, contact phone numbers and registration.
   • A brief description of the accident or theft, and the damage to your vehicle.
3. Let you know how to get your vehicle repaired quickly and conveniently, including information about vehicle towing.
4. Provide you with details about any excess or premium effects the claim may have caused.

What should I do if I have an accident?

Unfortunately, accidents can happen to anyone, even the most careful riders. If you are ever in an accident, remain calm and follow the tips provided below:

At the scene of the accident:

1. Stop your motorcycle. If you're blocking traffic, or the location isn't safe, move your motorcycle to a safe place nearby. If you are involved in an accident, the law requires you to stop.
2. Check all involved parties for injuries. Ensure assistance is provided to anyone that is injured. Call an Ambulance or Doctor if required.
3. Notify the police and let them decide if they should come to the scene. It's especially important to contact the police if the accident involves injuries, a hit-and-run, or a dispute about liability.
4. Obtain full details of vehicles involved - drivers' names, residential addresses, phone numbers, registration numbers and insurance company details if possible.
5. If your motorcycle is not able to be ridden, call a towing company and get your motorcycle towed to the nearest repairer. Obtain the name, address and phone number of the towing company for when you lodge your claim. If you prefer, you can call us and we can arrange a tow for your motorcycle.

After the accident:

1. Contact us with full details as soon as possible by contacting our Claims Centre on 13 25 24, 24 hours, 7 days a week.
2. Do not dispose of any damaged property, unless we have agreed.

More helpful tips:

1. If it is safe and possible to do so, clear the roadway of broken glass and debris. Do everything reasonable to limit and prevent further damage or loss to your motorcycle or other people.
2. Co-operate with police by giving them accident details and answering their questions. Be sure to get the names and day time phone numbers of any officers on the scene and the number of the police report.
3. Do not admit fault to anyone else involved in the accident.
4. Write down names, addresses and telephone numbers of all witnesses.
5. If you have a camera with you, take pictures of the accident location, damage to all the vehicles or property involved, and other relevant details of the accident scene.
6. Don't forget to obtain full details of vehicles involved - drivers' names, residential addresses, phone numbers, registration numbers and insurance company details if possible.

What should I do if my motorcycle is stolen?

1. Report the theft/damage to the Police. You must also provide us with the name of the Police Officer, station, date reported and any report reference number.
2. Contact our Claims Centre with the full details on 13 25 24, 24 hours, 7 days a week.

What should I do if someone makes a claim against me?

1. If you receive any letters of demand or correspondence from other parties (including their insurer or legal representative) involved in the event, contact our Claims Centre on 13 25 24 as soon as possible.
2. If you are contacted verbally, advise that you are insured with us and that we will be looking after their claim. Do not admit fault for the damage/accident and do not offer or promise to pay for any costs.
3. Record as much of the other parties details as possible such as names, residential addresses, phone numbers and vehicle details.
4. Contact our Claims Centre on 13 25 24 and advise our consultant of what has happened. We will assist you throughout the claims process.

Excesses

Excess is the amount you might have to pay if you claim. The amount and types of excess are shown on your certificate of insurance. Depending on the circumstances, you might have to pay more than one type of excess when you claim.

You must pay the excess in full. We will decide if you pay the excess to us (when we ask for it) or to the repairer when repairs are completed. We can also choose to deduct the excess from the amount we pay you.

You don't need to pay any excess if:

• Another vehicle is involved, we agree the rider of your motorcycle was not at fault and you can identify the vehicle and the other driver responsible (name, residential address, phone number and vehicle registration details).
• No other vehicle is involved, we agree the rider of your motorcycle was not at fault, and you can identify the responsible person and prove that they were at fault (name, residential address, phone number).

For further information read the Product Disclosure Statement.

Suncorp - Minimizing Your Inconvenience

2 Year New Replacement Motorcycle - With our comprehensive cover, if you are the first registered owner of your motorcycle you can choose to accept a new replacement motorcycle of the same make, model and series if your motorcycle:

• has comprehensive cover and
• is a total loss within 2 years of the date your motorcycle was first registered.
• if necessary, anyone who provided finance for your motorcycle agrees.

A motorcycle of the same make, model and series must be available within Australia.

For further information read the Product Disclosure Statement.

Helpful Hints for Motorcycle Security - Following these simple tips can reduce the chances of your motorcycle being stolen.

• At night, make sure you park your motorcycle in a well lit and secure area
• Park off-street if possible
• Away from home, park in a secure attended car park
• Never leave your motorcycle running while it's unattended - not even for a minute!
• Don't hide a spare set of ignition keys anywhere on your motorcycle

How do I report insurance fraud?

Insurance fraud is not a victimless crime. It imposes additional costs on honest policy holders and wastes the valuable resources of our community. This means it affects everyone.

Suncorp actively pursues fraudulent and inflated claims in order to keep your premiums as low as possible. Fraudulent claims will be investigated and may be reported to the police.

Help us fight insurance fraud by reporting:

• Inflated vehicle or home repair bills.
• Staged vehicle or home incidents.
• False or inflated home or vehicle claims.
• Home and vehicle fires which may be intentionally started - including by someone known to you.

To report suspected insurance fraud, call 1300 881 725. Let's work together to reduce the impact of insurance fraud on the community.

Find out more about Suncorp Motorcycle Insurance