If you’ve been injured in a cycling accident that wasn’t your fault, you may be able to claim compensation for your injuries and other financial losses.
This page explains third-party cycling accident claims – where someone else was responsible for your accident. It isn’t about claiming on your Yellow Jersey bicycle insurance policy.
We’ve partnered with Fletchers Solicitors, specialist cycling lawyers, to help all cyclists. If you’re a Yellow Jersey bicycle insurance customer, your policy includes Legal Protection, which can cover the legal costs of pursuing a claim. In most circumstances, this means you’ll keep 100% of any compensation you receive.
Whether you’re a Yellow Jersey customer or not, we’re here to help. If you have bicycle insurance with us, you can start a new claim through your customer portal. If not, complete our short enquiry form and Fletchers Solicitors will be in touch.
Whether you’ve been knocked off your bike by a motorist, injured in a junction collision, involved in a dooring incident or suffered another cycling accident caused by someone else, knowing what to do next can feel overwhelming.
Our specialist cycling accident claims service has been created to help cyclists understand their options and, where appropriate, put them in touch with expert legal support. We’ve partnered with Fletchers Solicitors, one of the UK’s leading specialist personal injury law firms, because of their proven experience representing injured cyclists and their commitment to achieving the best possible outcomes for their clients.
If you’re a Yellow Jersey bicycle insurance customer, our Legal Protection cover can help with the legal costs of pursuing a claim against a third party, meaning those costs may be covered separately rather than reducing your compensation, subject to the policy terms and claim acceptance.
Even if you’re not insured with Yellow Jersey, you can still use this page to learn about cycling accident claims and, if appropriate, contact Fletchers Solicitors for specialist advice.
Whether you’re looking to understand the claims process, find out what evidence you’ll need or simply want to know if you may have a claim, we’re here to point you in the right direction.
Ask yourself two questions after your cycling accident…
Do I have Legal Protection with my Yellow Jersey bicycle insurance?
Was someone else responsible for the accident?
Fletchers Solicitors have years of experience helping people who have been injured in cycling accidents. Their specialist team understands the unique circumstances of cyclist claims and will support you throughout the process, from your initial enquiry through to the conclusion of your claim.
Where needed, they can also help you access rehabilitation and wellbeing support, helping you focus on your recovery as well as your claim.
This page is about cycling accidents involving another road user, organisation or third party who may be responsible for your injuries or financial losses. It is separate from making a claim under your Yellow Jersey bicycle insurance policy for theft, accidental damage or another insured event.
Every accident is different, but the steps below give you an idea of what you can expect if you decide to pursue a claim.
Provide as much information as you can about the accident, including where and when it happened, who was involved and any injuries or damage you suffered.
If you are a Yellow Jersey customer, we will consider whether the accident may fall within the Legal Protection included with your bicycle insurance policy.
If you are not insured with Yellow Jersey, you can still speak to our trusted legal partner, Fletchers Solicitors, about a possible cycling accident claim.
Fletchers Solicitors will review the information available and explain whether they believe there are reasonable grounds to pursue a claim. They may ask for photographs, witness details, medical information, vehicle registration details or other supporting evidence.
If your case is taken forward, the legal team will investigate what happened, establish who may be responsible and gather evidence about your injuries, damaged property and financial losses.
Fletchers Solicitors will manage communications with the responsible party and their insurer, keep you informed and seek an appropriate settlement based on the circumstances of your claim.
Most cycling accident claims are resolved without a court hearing. If court proceedings are required, your solicitor will explain the process and support you throughout.
Already a Yellow Jersey customer? Report the accident through our claims process so we can help identify the appropriate next step.
Not insured with Yellow Jersey? You can still contact Fletchers Solicitors directly to discuss whether you may be able to make a claim.
Why Yellow Jersey Customers Have an Advantage
Legal Protection is included with eligible Yellow Jersey bicycle insurance policies. If someone else was responsible for your accident, we’ll introduce you to our specialist legal partner, Fletchers Solicitors, so you don’t have to find a solicitor yourself.
Where cover applies, your Legal Protection covers the cost of pursuing your claim. That means you keep 100% of any compensation you receive, rather than paying legal fees out of your settlement.
Our team can introduce you to Fletchers Solicitors, who will assess your case and explain your options, subject to the policy terms and claim acceptance.
We’ve partnered with Fletchers Solicitors, one of the UK’s leading specialist personal injury law firms.
Their experienced legal team has helped thousands of injured cyclists pursue compensation following road traffic collisions, dooring incidents, defective road surfaces and other cycling accidents.
From your first enquiry through to the conclusion of your claim, you’ll receive specialist guidance tailored to your circumstances.
Whether you’re claiming for personal injury, damaged equipment, rehabilitation costs or loss of earnings, you’ll have experienced professionals supporting you throughout the process.
You don’t need to be a Yellow Jersey customer to benefit from Fletchers’ expertise. If you’ve been injured in a cycling accident that wasn’t your fault, you can still contact them to discuss your circumstances and find out whether you may have a claim.
This page is about cycling accidents involving another road user, organisation or third party who may be responsible for your injuries or financial losses. It is separate from making a claim under your Yellow Jersey bicycle insurance policy for theft, accidental damage or another insured event.
If you have been injured in a cycling accident that was not your fault, the process will usually involve the following steps:
Provide as much information as you can about the accident, including where and when it happened, who was involved and any injuries or damage you suffered.
If you are a Yellow Jersey customer, we will consider whether the accident may fall within the Legal Protection included with your bicycle insurance policy.
If you are not insured with Yellow Jersey, you can still speak to our trusted legal partner, Fletchers Solicitors, about a possible cycling accident claim.
Fletchers Solicitors will review the information available and explain whether they believe there are reasonable grounds to pursue a claim. They may ask for photographs, witness details, medical information, vehicle registration details or other supporting evidence.
If your case is taken forward, the legal team will investigate what happened, establish who may be responsible and gather evidence about your injuries, damaged property and financial losses.
Fletchers Solicitors will manage communications with the responsible party and their insurer, keep you informed and seek an appropriate settlement based on the circumstances of your claim.
Most cycling accident claims are resolved without a court hearing. If court proceedings are required, your solicitor will explain the process and support you throughout.
Already a Yellow Jersey customer? Report the accident through our claims process so we can help identify the appropriate next step.
Not insured with Yellow Jersey? You can still contact Fletchers Solicitors directly to discuss whether you may be able to make a claim.
This section is about legal support following a cycling accident caused by another person or organisation. It is separate from making a claim for theft, accidental damage or another insured event under your Yellow Jersey bicycle insurance policy.
Where Legal Protection applies under your Yellow Jersey bicycle insurance policy, it can help you pursue an eligible claim against a third party following a cycling accident.
In most circumstances, eligible Yellow Jersey bicycle insurance customers keep 100% of their compensation when pursuing a claim through Fletchers Solicitors, subject to policy terms and claim acceptance.
You can still speak to Fletchers Solicitors if you have been injured in a cycling accident that was caused by another road user or third party.
Fletchers Solicitors can review what happened, explain whether you may have grounds to pursue a claim and outline the funding arrangement that would apply. You do not need to hold a Yellow Jersey policy to contact them.
The included Legal Protection and its associated benefits are only available where they apply under an eligible Yellow Jersey bicycle insurance policy.
This is a summary only and does not form part of the insurance contract. Cover is subject to the applicable policy wording, eligibility requirements, claim acceptance and all relevant terms, conditions and exclusions. Compensation and the outcome of any legal claim are not guaranteed.
If you’ve been involved in a cycling accident involving another road user or third party, it’s natural to have questions about what happens next. Whether you’re wondering if you’re entitled to compensation, how long you have to make a claim or what evidence you’ll need, we’ve answered some of the most common questions below.
This page relates to third-party cycling accident claims and compensation, rather than claims under your Yellow Jersey bicycle insurance policy. If you’re looking to make an insurance claim for theft, accidental damage or another insured event, please visit our Bicycle Insurance Claims page instead.
Every cycling accident is different, so the answers below are intended as general guidance only. If you can’t find the information you’re looking for, or would like to discuss your own circumstances, we’re here to help.
In most personal injury cases, you normally have three years from the date of the accident, or from the date you first became aware that your injuries were connected to the accident, to begin a claim.
Different rules can apply in certain circumstances, including claims involving children or people who lack the mental capacity to make a claim themselves.
If you’ve been injured in a cycling accident that wasn’t your fault, the first step is to tell us what happened.
If you’re a Yellow Jersey bicycle insurance customer, you can report your accident to us and, where appropriate, we’ll introduce you to our trusted legal partner, Fletchers Solicitors.
If you’re not insured with Yellow Jersey, you can still contact Fletchers directly to discuss your circumstances and find out whether you may have a claim.
Every claim is different. Some straightforward claims may settle within a few months, while more complex cases can take longer, particularly where serious injuries are involved or liability is disputed.
Your solicitor will be able to provide a more accurate estimate once they’ve reviewed your case.
Most cycling accident claims are settled without the need for a court hearing.
If liability is disputed or a fair settlement can’t be reached, court proceedings may be necessary. If that happens, your solicitor will explain the process and support you throughout.
Yes. If another road user was responsible for the accident, you may be entitled to claim compensation for your injuries and financial losses.
Even if liability isn’t immediately clear, it’s worth seeking specialist advice, as every accident is different.
Potentially. There are arrangements in place to help victims of accidents involving uninsured drivers.
A specialist solicitor will be able to explain the options available based on your individual circumstances.
Possibly. Not wearing a helmet doesn’t automatically prevent you from making a claim.
Each case is assessed on its own facts, and specialist legal advice should always be sought before assuming you’re unable to claim.
Yes, in some circumstances.
If both parties share responsibility, it may still be possible to recover compensation, although the amount awarded could be adjusted to reflect the level of responsibility.
Possibly.
If your accident was caused by a pothole or another road defect, you may be able to bring a claim against the organisation responsible for maintaining the road.
These claims can be more complex, so obtaining specialist advice early is recommended.
Useful evidence may include:
Don’t worry if you don’t have everything. Your solicitor will explain what evidence is needed.
Depending on the circumstances, a successful claim may include compensation for:
Yes.
If another party was responsible for the accident, your claim may include compensation for both your injuries and damage to your bicycle, helmet, clothing and other cycling equipment.
No.
Anyone who has been injured in a cycling accident may be able to seek advice from Fletchers Solicitors.
However, eligible Yellow Jersey bicycle insurance customers benefit from Legal Protection, which may cover the legal costs of pursuing a claim through our trusted legal partner, subject to the policy terms and claim acceptance.
Legal Protection is an additional benefit included with eligible Yellow Jersey bicycle insurance policies.
If another person is responsible for your cycling accident, it provides access to specialist legal support through our trusted legal partner, Fletchers Solicitors. Subject to the policy terms and claim acceptance, it may also cover the legal costs of pursuing your claim.
Cycling accident claims can arise from many different situations, including:
Every accident is different, so it’s always worth obtaining specialist advice.
Yes.
If another party caused your accident while you were cycling to or from work, you may still be entitled to claim compensation.
Yes.
Cyclists riding electrically assisted pedal cycles (EAPCs) may still be able to pursue a claim if another person was responsible for the accident, provided the e-bike complies with the relevant legal requirements.
A third-party personal injury claim is separate from your bicycle insurance policy.
If you’re a Yellow Jersey customer, we’ll explain how your insurance claim and any legal claim work alongside each other, where applicable.
We’ve partnered with Fletchers Solicitors because they are one of the UK’s leading specialist personal injury law firms, with extensive experience representing injured cyclists.
Our partnership gives Yellow Jersey customers access to specialist legal support through their included Legal Protection cover, subject to the policy terms and claim acceptance. Cyclists who aren’t insured with Yellow Jersey can also contact Fletchers directly to discuss whether they may have a claim following a cycling accident.
Yes. If your loved one is unable to deal with the claim themselves, or would like you to act on their behalf, Fletchers Solicitors can explain the options available. In many cases, they can share information with you once the appropriate authority has been provided. Their team will guide you through the process and explain what support is available.
Losing a loved one in a cycling accident is devastating. Fletchers Solicitors have extensive experience supporting families following fatal collisions and can provide expert legal advice with sensitivity and compassion. They can advise on claims that may be available to the deceased’s estate, beneficiaries and dependants, while supporting families throughout the process.
Yes, you may still be able to make a claim if the driver cannot be traced or wasn’t insured. There are arrangements in place to help victims of accidents involving uninsured and untraced drivers. Fletchers Solicitors can explain your options and advise on the best way to proceed.
A bicycle insurance claim is made under your own insurance policy for events such as theft, accidental damage or vandalism. A cycling accident claim is made against the person or organisation responsible for your accident if you’ve been injured or suffered financial loss. The two can sometimes run alongside each other.
That’s completely normal. Every accident is different. Fletchers Solicitors can assess the circumstances of your accident, explain whether you may have a claim and talk you through the next steps, with no obligation to proceed.
No.
Anyone who has been injured in a cycling accident may be able to seek advice from Fletchers Solicitors.
If you’re an eligible Yellow Jersey bicycle insurance customer, your policy includes Legal Protection, which can cover the legal costs of pursuing a claim through our trusted partner, Fletchers Solicitors. In most circumstances, this means you’ll keep 100% of any compensation you receive.
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