Free Biker Legal Cover

 

Biker Legal Assistance Service

 

This service is administered and provided by Motorcycle Accident Claims Scotland

(A Trading Name of Gildeas Limited).

 

To ensure you get the most from your cover, please take the time to read the details which form a contract between you and the provider.

 

Definitions:

We, us, our; Motorcycle Accident Claims Scotland

 

You, Your; The person who is a subscribed member of Free Biker Legal Cover, being a permanent resident in Scotland, England or Wales.

 

General Member Benefits

 

• Full Claims Management Service
• General legal advice (normal office hours)
• Free Motor Prosecution Defence Assessment/ Advice
• Newsletter
• Discounts with selected retailers

 

Non-Fault Benefits

 

If a collision ensues in an incident that was not your fault, we can:

• Arrange recovery of your motorcycle.
• Handle communications with your insurance company.
• Arrange repairs via your own chosen repairer or from our approved repairer network.
• Arrange a replacement bike.
• Arrange one of our specialist team to deal with any injury claims on behalf of you or any passengers with no deduction from any awarded compensation.
• Arrange one of our specialist team to recover financial losses you may incur, for example, insurance policy excess, lost earnings, prescription charges, damage to items of protective clothing, damage to property such as clothing, mobile phone, jewellery, etc.
• Arrange other specialist support such as physiotherapy treatment, trauma counselling, etc.

 

Replacement Bike Service

 

• To qualify for this, you must report the claim to our claims line on 0333 2100 200 before you report the claim to your own insurance company.
• Our network of replacement bike providers have access to numerous bikes across the UK. These can be delivered to your home or work address or collection arranged from their various depots.
• Provision of replacement bikes is subject to the terms being met of our appointed service providers and you agreeing to their terms and conditions.
• If you are at fault for the accident or the offending driver cannot be traced or identified, you will not be entitled to a replacement bike.

 

Motorcycle Repair & Total Loss Service

 

• To qualify for this, you need to report the claim to our claims line on 0333 2100 200 before you report the claim to your own insurance company.
• If repairs to your bike are authorised by our appointed service provider, you may not be required to pay any excess to the repairer upon completion of the repairs
• If your bike is deemed a total loss (uneconomic to repair), you may not be required to pay any excess deduction from the total loss payment in the event our appointed service provider can seek settlement directly from the insurance company of the responsible third party
• In the event difficulties arise with the claim, such as a liability dispute or other technicality with the other party’s insurance policy, which prevents prompt settlement of the repair or total loss claim, you may be requested to divert the bike claim to your own insurance company (if fully comprehensive cover is held).
• If you incur your excess payment, your appointed solicitor will recover this for you, subject to liability being established against the other party.

 

Litigation Service

 

Legal assistance will be provided if we are of the opinion that you have “reasonable prospects of success for recovering damages”. This is assessed as a 51% chance or better of recovering damages from your opponent.

 

You must at all times co-operate and assist Motorcycle Accident Claims Scotland with the progression of the claim, to include but not limited to, providing prompt and clear instructions, not mislead or attempt to present any fraudulent claim or items of claim. Where required, you must attend an independent medical examination with an independently appointed medical practitioner.

 

Motorcycle Accident Claims Scotland may give you written notice if during the course of the claim we no longer feel there are reasonable prospects of success. There is no minimum claim value that applies, but legal assistance may be withdrawn, subject to notice, if after due consideration of your claim, the legal costs in pursuing your claim wholly outweigh the damages to be recovered.

 

Legal assistance in personal injury claims are provided by us or our appointed solicitors under a speculative fee agreement (no win no fee) to be entered into by you with the appointed solicitor when a claim is notified. There is no deduction of a success fee from any damages awarded. Legal assistance in non-injury claims is provided on a pro-bono basis by us or our appointed solicitors, subject to the above terms & conditions.

 

If your accident claim is for damage only and does not include personal injury, you must notify the claim to us within 28 days of the incident, otherwise we may refuse to assist with your claim – we will always do our best to assist in all circumstances though.

 

Terms & Conditions and Eligibility

 

You must abide by the terms & conditions of this service as set out above. By subscribing as a member of Free Biker Legal Assistance Service you accept these terms and conditions.

 

You can cancel your membership at any time by emailing [email protected]

 

We reserve the right to cancel your membership in the event we believe there has been misconduct by you or a claim is found to be fraudulent or fundamentally dishonest.

 

Such cancellation will be communicated in writing by post or email to your last known contact address.

 

Where a fraudulent or fundamentally dishonest claim has been made by you or anyone seeking assistance as part of your membership, following investigation, we and or our appointed service providers will seek to recover any hire charges, treatment costs or any legal costs and or disbursements or service benefit costs from you or the person seeking assistance under your membership (additional costs may be applied).

 

In order for assistance to be provided, your bike must be legitimately insured and be used for lawful purposes at the time of any incident giving rise to a claim being made.

 

If the party at fault for the accident is untraced, you must make a formal report to the police within 5 days of the accident.

 

Legal assistance will only be provided as a benefit of your membership by our appointed solicitor. We will not assist in any costs incurred in the event you appoint an alternative legal services provider.

 

No legal assistance is provided to indemnify the costs to defend any civil claim or counter-claim brought against you. In such circumstances, we or our appointed solicitor will seek an indemnity from your own motor insurers to cover the costs of defending any counter-claim for damages and costs brought against you by a third party.

 

Motorcycle Accident Claims Scotland about our services and offers.

 

Exclusions

 

This service cannot be used against malicious damage or vandalism claims

 

This service cannot be used against windscreen claims in isolation unless realistic prospects of success exist against an insured negligent party

 

No replacement bike is available for claims resulting from theft, attempted theft or fire claims or mechanical breakdown.

 

Regulation

 

Motorcycle Accident Claims Scotland is a trading name of Gildeas Solicitors Ltd, regulated by Law Society Scotland

 

Disclaimer

 

This is not an underwritten product, but a legal membership plan. The services provided are only available to permanent residents of Scotland, England & Wales.