🟠  Need Advice?

Yes, you can. It can be tricky and there is no guarantee that it will work, but we use a government backed scheme called the Motor Insurance Bureau. Each case is looked at on an individual basis so there is no hard and fast rule.

Potentially. It can be tricky, but we have some clever ways to help. For example, they have cycling insurance it will cover you and also some household insurance policies have third party cover.

Yes, often you can but we need to look at each bike claim on an individual basis before we decide.

The industry standard now is that we generate our income from a percentage of your settlement. We don’t get paid until you get your compensation.

If we take your case on, we believe we will win it. If we do, we get paid and you get your cycling accident compensation. If we are unable to win your case and we’ve done a load of work, we’ll not charge you. That is of course unless you are telling us a pack of lies or if the accident was staged.

In a nutshell, we only get paid if we win your case. We will however make all the enquiries we need to establish who is at fault and if we can win your case.

How Much Compensation Can I Get After a Cycling Accident?”

These figures are approximate and not a guarantee. If your claim is successful you may receive less or more.

• Injury Type	Description	Typical Compensation Range
  Minor Injuries	Soft‑tissue damage, cuts, bruising, short recovery	£1,000 – £4,000
  Fractures & Broken Bones	Broken wrist, arm, hand, or similar fractures	£5,000 – £25,000
  Index Finger Fracture	Fractured index finger with ongoing symptoms	£7,780 – £10,440
  Head & Brain Injuries	Minor head injury to severe brain trauma	£1,880 – £350,000+
  Back & Spinal Injuries	Moderate back injuries to life‑changing paralysis	£38,000 – £493,000+
  Psychological Injury (PTSD / Anxiety)	Mild to severe psychological harm	£4,820 – £100,000+
  Knee Injuries (Minor–Moderate)	Soft‑tissue damage, bruising, minor ligament issues	£1,000 – £13,000
  Knee Injuries (Serious)	Torn ligaments, cartilage damage, long‑term instability	£20,000 – £38,000+
  Shoulder Injuries (Minor)	Soft‑tissue injury, short‑term pain and restriction	£2,500 – £7,500
  Shoulder Injuries (Serious)	Dislocation, fractures, long‑term movement restriction	£12,000 – £48,000+

Accidents are not always clear cut. We will look at the road layout and speak to both parties. Crucially we’ll talk to any witnesses and the insures and make a decision based on all the information we can get. Even if we believe the accident wasn’t your fault and the third party’s insurers do not, we’ll fight your corner with the full force of the law.

Don’t forget, you won’t be charged for any of the work we do if we can’t win your claim.

Drivers are not always at fault but an emphasis is put on them to be on the lookout for cyclists. The Highway Code follows a hierarchy of responsibility and the motorist has the responsibility to look out for smaller road users.

Gain as much information as you can and let us and our solicitors work on your behalf.

How Long Do I Have to Make a Claim After a Cycling Accident?

Three Years

In the UK, you usually have three years from the date of your cycling accident to start a personal injury claim. This is known as the “limitation period” under the Limitation Act 1980.

Why You Should Start Your Claim as Soon as Possible

Even though you may have up to three years, starting early gives you the strongest case because:

• CCTV and dash‑cam footage is often deleted within 30 days
• Witness memories fade quickly
• Road conditions and hazards can change
• Medical evidence is clearer when gathered early
• Your solicitor can secure better evidence and build a stronger claim

Early action protects both your health and your legal position.

That three‑year deadline applies to most cycling accidents, but there are important exceptions that can shorten or extend the time you have.

Key Time Limit Exceptions for Cycling Accident Claims

1. Date of Knowledge

If your injury wasn’t immediately obvious — for example, delayed concussion symptoms or psychological trauma — the three‑year limit may start from the date you first realised your injury was linked to the accident.

2. Children (Under 18)

The three‑year limit does not start until their 18th birthday. They can claim up to age 21, or a parent/guardian can claim for them at any time before they turn 18.

3. Lack of Mental Capacity

If the injured person lacks mental capacity, there is usually no time limit. The three‑year period only begins if they later regain capacity.

4. Fatal Cycling Accidents

If a loved one has died, the family typically has three years from the date of death or the date they first learned the death was linked to the accident (for example, after a post‑mortem).

5. Hit‑and‑Run or Uninsured Drivers (MIB Claims)

If the driver cannot be identified or is uninsured, you can claim through the Motor Insurers’ Bureau (MIB). The three‑year limit still applies, but early action is strongly recommended.

6. Criminal Injuries (CICA)

If the cyclist was deliberately hit or harmed, the Criminal Injuries Compensation Authority usually requires claims within two years.

7. Accidents Abroad

Time limits vary by country and can be much shorter — sometimes one or two years — depending on local law.