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UK Report - 80% of all motorcycle crashes caused by other road users

Discussion in 'Research, Studies, and Data' started by robsalvv, Mar 30, 2013.

  1. https://www.groupama.co.uk/media/news/4-out-of-5-motorcycle-accidents-caused-by-other-road-users/

    4 out of 5 motorcycle accidents caused by other road users

    Detailed analysis of over 1600 motorcycle insurance claims by Groupama Insurances, one of the UK’s largest motorcycle insurers, has proved categorically that other road users are the main cause of motorcycle accidents. Refuting the suggestion that loss of control on bends is the main cause of motorcycle deaths, as claimed on the BBC programme ‘How Safe are Britain’s Roads?, last year, Groupama has found that 4 out of 5 motorcycle accidents are actually caused by other road users. Of all the claims analysed, none was caused by loss of control on a bend.

    The findings will be welcomed by the many motorcyclists who expressed outrage at being unjustly accused of poor driving skills shortly after the programme aired. Many were frustrated at the missed opportunity to communicate the danger other road users pose to those driving and riding pillion on motorcycles, and more importantly, what motorists can do to reduce the risk of accidents.

    Groupama conducted in-depth analysis of 1679 motorcycle insurance claims made during July and September 2012 – the peak time of year for claims. They found that the main cause of accidents on motorcycles is other road users either changing direction or emerging from a junction, inducing a collision. Rather than motorcyclists being their own worst enemy, as portrayed by the programme, it is other road users who are their biggest hazard. Of all the claims reviewed, 11 resulted in the death of the policyholder. Of this number, loss of control was the cause of the accident for 3 policyholders. None had lost control on a bend.

    Darren Wills, Claims Director for Groupama Insurances said: “ ‘How Safe are Britain’s Roads?’ prompted heated discussion on online motorcyclist forums. As a leading motorcycle insurer with a specialist motorcycle claims team dealing with the unhappy consequences of accidents day in day out, we were immediately sceptical about the statements made on the programme. They claimed that the majority of deaths happen on rural roads with loss of control on bends being the most common cause. This simply didn’t correlate with the claims we receive and as one of the largest insurers of motorcyclists in the UK, we have a very accurate picture of the real causes of motorcycle claims. We therefore launched a project to analyse the cause of every claim we received during the peak summer period.”

    Of the 1679 claims analysed 81% included a third party/liability aspect – that is, where the accident involved another vehicle. Just 19% were single vehicle accidents. Of those that included a third party/liability aspect, 44% resulted in the policyholder pursuing a claim against the third party for personal injury.

    Darren Wills concludes: “We’re delighted to set the record straight and hope our analysis can be used to support greater awareness amongst road users, of the dangers they pose to motorcyclists. We certainly support the Government’s ‘Think Bike’ campaign which has launched this spring as many bikers return to the roads after winter.”

    = = = = =

    At least in the UK, the Government authorities have an active anti SMIDSY campaign "Think Biker" to try and address this issue... but what a statistic!


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  2. I assume mr Ken Lay has been sent a copy of this, suitably bound and certified for future reference?
  3. Really? Even as a motorcyclist I find that hard to believe.
  4. Of the 11 deaths in their claims, none were caused by FTNB. That doesn't say that they didn't have FTNB claims though.
  5. As with all statistics they need to be viewed in context. These are MC claims only, so I assume would exclude single MC accidents of unisured riders, plus claims where the car driver has claimed on THEIR insurance (hence a motor vehicle claim & not a motorcycle claim) because the likelihood of getting compensation from a rider without insurance or assets is not considered a possibility.

    Don't get me wrong, it's hard to argue with this set of data which shows how much car drivers contribute or should accept responsibility in accidents involving motorcycles.

    Manipulating data is something that Vicpol & TAC seemed very adept at doing judging by their advertising campaigns so would be interesting to hear their response.
  6. Actually, that would be awesome. The TAC come out qualifying the potential conflicts and confounds in the Groupama stats... but don't see their own... that would be sensational media fodder.
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  7. The first paragraph suggests strongly no FTNB claims..

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  8. Well spotted. That is unusual. Aren't there any twisties in England?
  9. In my 75000kays of riding, I know personally of 14 accidents. Two did not make an insurance claim. Some of them occurred right in front of me.

    2 were smidsy. The rest were single vehicle accidents.

    It's anecdotal evidence so don't take it too serious. Just trying to say that the report findings don't match my experience thus far.. that's all..
  10. Groupama is apparently one of UK's largest bike insurers. Of its data set in the peak period, it found that 80% of claims, the other party was at fault. You have to take that as prima facie correct. It's their data.

    How that fits in the wider context of all motorcycle crashes in the UK is worth discussion, but it pays to keep in mind that the BBC tv article that this Groupama media release responded to, said that FTNB was the leading cause of rider deaths.

    If the BBC is correct, then either no killed FTNB riders insured with Groupama, FTNB killed riders insured with Groupama don't claim or the truth is somewhere between Groupama's and the BBC's reference data set. I can't see the first two as likely given that Groupama is a large insurer.

    Either way, even if the Groupama statistic was to drop from 80% when weighed up against the county's entire crash dataset, how far would it drop? To drop significantly you'd have to argue that the clientele of Groupama aren't representative of the rest of the motorcycling demographic. Would insured riders and uninsured riders have vastly different crash causes?

    80% might be unreasonably high, I just can't see it being halved (for example) by any kind of argument or further analysis, not even by fleshing out the apparent under reporting of SVA's.

    Say it drops to 60%. Would that change the key message?
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  11. Downloaded the two part BBC documentary. Worth watching.
  12. You seem to be saying this with implied scepticism, though to me it seems to be a logical conclusion. Claims made on behalf of deceased would be minimal at best, surely?
  13. Hardly, the executor of the estate would not be fulfilling their duty if they did not make claim on behalf of the estate.
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  14. Interesting report and food for thought. However, a quick speed read of the thread shows that the first point to strike me has already been raised.

    If I may be permitted to play Devil's Advocate here, the study is based on insurance claims. Now, unless things in the UK have changed radically in the 16 years since I last insured a bike there, the extortionate cost of insuring motorcycles, particularly large or sporty ones means that a large proportion of riders, possibly a majority, carry only legal minimum third party and TP property cover. A few more will have fire and theft cover. Very few, in my day at least, would have fully comp.

    As a result, an absolute shitload of SVAs certainly used to go unreported as far as insurance is concerned. For most riders, the only time they'll be in a position to make a claim is when someone else hits them.

    Do a similar study in Australia where riders tend to be wealthier and insurance is more sensibly priced and you might come up with rather different numbers.
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  15. I agree with the rest of your post Pat, but have my doubts about:-

    Also, the habit of being handed a ticket by the cops if you report a single vehicle accident tends to discourage folk from reporting such.
  16. Here is the part about bikes in the bbc doco:

  17. Perhaps, but in that case there may be a good few riders out there paying for fully comp insurance that they'd never use.
  18. This Aussie video is closer to what I would expect the figures to be:
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  19. It is always the other guy's fault. One of the cardinal rules when involved in an accident, "Never admit guilt".