Been in an accident involving your two-wheeler? Here’s how you can get compensation

What you need to remember at a glance

Step 1: Assess the situation

After an accident, the stress and adrenaline rush can alter your perception and hide a state of shock or injuries.

1. First, check that you are unharmed. If you are injured, sit by the side of the road and wait for the emergency services.
2. If you are able to do so, clear the road and put your two-wheeled vehicle on the verge or hard shoulder. Leave your lights on if it’s dark.
3. For your own safety, make sure you and your passengers stand behind the crash barrier or as far away from the road as possible.

Step 2: Fill in an accident report

1. If you are on your feet and the fall does not seem to have affected your judgement, fill in an accident report on the spot with the people involved and have all parties sign it. This document establishes each party’s responsibilities and is valid across Europe.
2. If you cannot fill the form in on the spot, note down each driver’s name, address, phone number, email address, number plate, insurance company and policy number. You should also note down the details of any witnesses.

Good to know: Even though it does not constitute formal evidence, take photos (overviews and close-ups) of the locations of the vehicles involved if possible.
 

Step 3: Is my two-wheeled vehicle still drivable?

If your two-wheeled vehicle is immobilised
 

Contact AXA Assistance on +352 45 30 55, available 24/7, so your vehicle can be repaired or recovered. AXA Assistance will arrange the recovery of and repairs to your two-wheeled vehicle. Depending on the duration of the repairs, a replacement vehicle may be made available to you for up to 10 days.
 

If your two-wheeled vehicle is still drivable
 

In order to avoid a new accident, make sure the shock or adrenaline rush have worn off and that you’re in a fit state to drive. Wait a few minutes, drink some water if possible, and call a loved one to update them on what’s happened.
You can then have your two-wheeled vehicle assessed by a claims assessor and have it repaired without delay. Do not repair it or have it repaired before it can be assessed in order to comply with the conditions of your policy and be eligible for any compensation. If urgent repairs are still deemed necessary, document the damage with photos you can use.
 

Step 4: Make a claim

Send the following documents by email to claims@axa.lu or to your intermediary:

1. Complete the accident report in advance and have it signed by each driver involved. If a report has not been filled in, download the claims form on the AXA website and fill in all requested information, specifying the circumstances of the accident and the nature of the damage.
2. Photos of the damage (at least one overview and one close-up). Contact your advisor if you need help.
3. If you or one of your passengers have been injured, a medical certificate stating the injuries provided by the hospital or a doctor.
4. A detailed quote for the repair of your two-wheeled vehicle, accompanied by close-up photos of the damage.

Step 5: How much will it cost?

After studying your file and if you have added Material Damage cover to your OptiDrive Moto policy, AXA will determine whether a claims assessor is necessary:

• If your two-wheeler can be repaired and it is economically viable, you can have the repairs carried out at a repairer of your choice, without having to pay up-front.
• If it cannot be repaired under the terms of your policy, you are covered up to the value of your vehicle prior to the claim, or based on the replacement cost during the first 36 months of the insurance.
   

For damage for which the quote for repairs is less than €750, the compensation is generally based on the quote from the garage without the intervention of a claims assessor. Above €750, a report by a claims assessor is mandatory and arranged by AXA with the designated garage.
 

If your OptiDrive Moto policy has an excess, this amount will remain your responsibility. Example: Your policy includes an excess of €200 per claim. The cost of repairing the two-wheeled vehicle is €1,000. You will receive €800 in compensation (€1,000 - €200).
You are entitled to a replacement vehicle for the entire duration of the repairs as determined by the claims assessor’s report, for up to 10 days.

This information is provided for information purposes only. Always check the general terms and conditions of your policy.