Claiming bike insurance is very simple. You must keep a few things in mind when filing a claim.

• Notify the insurance provider

It is the first thing you should do after ensuring no one is injured or in need of life-saving assistance. Call your insurance provider and give them a heads up about the incident. This way, they can be prepared when you send your file.

• Take photographic evidence

Take pictures of the damage, the area where the damage happened, and video evidence of any witnesses. It is to support your claim.

•  Keep a copy of the police report

File a police report and then attach it with your file. The insurance provider can and will verify from the authorities before accepting your claim, so do your due diligence.

• Get the other party's information

If they are liable, or you are liable to them, you should get their information so your insurance provider can get in touch to settle damages. You should also take the contact information of any witnesses that you have identified so they can back up your claim.

• Assess the damage

Have a mechanic assess the damage. The insurance provider will likely send an assessor of their own, but you should get a second opinion to ensure you know how much the repairs will cost you and attach that assessment with your claim.

• Document everything

Once you've gathered your evidence and documentation, file it with your insurance provider, who will process your claim. You will be reimbursed without issue if your insurance policy covers the damages incurred.