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How to claim compensation for a cycling accident

If you’ve been in a cycling accident that wasn’t your fault, our expert teams can help you claim the compensation you deserve.

Last updated on April 26th, 2021

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Kimberley Kirkby Express Solicitors

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Key points for making an injury claim

The most important things to remember when claiming for a cycling accident:

  • Claims can be processed on a No Win, No Fee basis
  • You should collect as much evidence as possible at the scene e.g. numberplates, insurance details
  • You have three years to make a claim, subject to some exceptions
  • You can claim for personal injury and property damage including bike repairs.

Cycle accident claims

You deserve to feel safe and secure while riding on the road. If you’ve been injured in a bicycle accident that wasn’t your fault, you could make a claim for compensation. Whether it’s minor damage or a major physical setback, we’re here to help you.

What is a No Win No Fee cycle accident claim?

When you make a cycle accident personal injury claim with us, your claim will be processed on a No Win, No Fee basis. This means that there is no financial risk to you whatsoever – if your case isn’t successful, you won’t pay a penny.

Why choose us

When you make a claim through Express Solicitors, you’ll have access to more than 1,000 years’ combined personal injury expertise. We are fully independent and regulated by the Solicitors’ Regulation Authority, offering 20 years’ experience winning cases that other firms cannot.

As specialists in cycle accident personal injury claims, we have managed to secure an incredible £160 million in compensation. If you feel let down by your current solicitors, or are just looking for fair compensation, speak to a team who will put your wellbeing first.

You’ll claim more with us.

We have recovered an additional £21.2m more in compensation for clients who switched to us from their previous firm. Contact us now to discover the real value of your claim.

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Why claim with us

Every new claim with Express Solicitors is secured by our Service Pledge. We’ve helped 21,000 personal injury claimants who have been refused elsewhere. We promise to go above and beyond to ensure you get the maximum compensation in the smallest amount of time.

You may not have considered the indirect impacts of your cycling injury, from paying for bike repairs to lost work and leisure time. We’ll consider all these factors and keep you informed, while endeavouring to secure interim payments while you wait.

How to make a claim for a bicycle accident

We’re sorry to hear you’ve been in an accident. The first thing you should do is take stock of your injuries and make sure you’re in a safe place. You may need an ambulance. If there are any witnesses, you should ask for their contact details, and if they would be willing to come forward.

You should also take the contact details of anybody else involved, for example, a driver. Write down key details like numberplates, as well as the name of their insurance provider.

If you can, try to take photos of any vehicle damage and visible injuries. This will all inform the police and medical reports.

Ask for copies of all your reports, from both doctors and the police. You can use these when contacting us to support your claim.

Above all, try to keep your cool. You will be visibly shaken and may feel angry or upset. Try not to project anger onto those involved, or ride away from the scene. You will need this as evidence, and it also may not be safe to ride.

Bike valuation

When you’re in a safe place to do so, call us. In addition to details about your personal injury, we’ll also ask you about your bike.

If your bike can be repaired, we’ll need quotes or receipts to support your case. If the repair costs are:

  • Less than what the bike is worth
  • You can claim the entire costs of the repair (back to its original state, without enhancements e.g. a bell if there wasn’t one before).
  • More than what the bike is worth
  • You can claim the total cost of the repair or whatever the bike was worth prior to the accident. Your local bike repair shop can give you a valuation as to your bike’s value.

Rehab and treatment

Depending on the extent of your injury, you may need additional treatment, such as rehabilitation for spinal injuries. We recognise that these therapies take time, and can incur loss of earnings, as well as physical and mental strain.

We’ll support you throughout this, including claims for travel to treatment sessions, and any personal trauma as a result of the accident.

You’ll claim more with us.

We have recovered an additional £21.2m more in compensation for clients who switched to us from their previous firm. Contact us now to discover the real value of your claim.

Start your claim

How much compensation can I claim for a cycling accident?

There’s no definitive answer for how much you can claim. While severe, life-changing injuries could see you claiming upwards of £350,000, it is all judged on a case by case basis. We will assess your claim based on:

  • Loss of earnings
  • Travel costs and medical bills
  • Psychological injuries e.g. facial scarring
  • Post-traumatic stress e.g. counselling costs
  • Damage to your bicycle
  • Damage to your property e.g. your cycling helmet.

When you claim with Express Solicitors, every facet of your case will be considered. Whether it’s time, property or your personal welfare, this all adds up to a monetary value. We’ll do our utmost to ensure you get the maximum compensation in the shortest amount of time possible.

What can I claim for?

While you can claim for unquantifiable compensation, for example mental stress incurred as a result of the injury, you can also claim for tangible damage. We’ll help you to claim for:

Your injuries

Separate from treatment fees, your physical injuries will be assessed based on severity, for example broken bones or psychological injury with permanent scarring.

Treatment fees

If the treatment you’re offered is not covered by the NHS, for example cosmetic treatment, we can pursue this as part of your claim.

Travel costs

You may have to pay to get to your appointments, for example, public transport to physical therapy. Please try to hold on to any receipts to make your claims process easier.

Bicycle damage

Your bike will be valued, as will the cost of its repair. You can claim for a new bike of the same value, or the cost of fixing the damage.

Property damage

Any essential items for your journey, for example a helmet or waterproof clothing, are eligible for damage claims.

Loss of earnings

Whether you’re PAYE or self-employed, you can claim for loss of earnings if you’re unfit to work. We’ll ask you for evidence of any loss of earnings, including basic pay and bonuses. You could claim even if you were unemployed at the time – for example, if your injury has stopped you from being able to attend job interviews.

Average cycling accident compensation amounts

Part of body Severity of injury Amount of compensation Types of injuries
Head Minor £1,880.00 to £10,890.00 Covers brain damage with recovery within a few weeks. Higher compensation if symptoms include headaches.
Head Moderate £13,430.00 to £112,130.00 Symptoms ranging from poor concentration, lower and higher risk of epileptic attacks, minor personality changes, depression, more severe intellectual impairment, or injuries/symptoms leading to a vegetative state.
Head Serious £186,890.00 £240,590.00 Covers reduced life expectancy, serious physical symptoms, serious changes to personality or intellect, large dependence on others due to paralysis or otherwise.
Head Severe £240,590.00 to £344,640.00 Covers minimally conscious state (life expectancy less than 15 years), severe disability, brain damage with little/no response, vegetative states needing full-time nursing.
Eye Severe £56,080.00to £229,260.00 Complete blindness on one/both eyes or severe visual impairment on one/both eyes.
Face Minor £1,460.00 to £7,460.00 Light or no scarring on the face, but no fractures, loss/damage of one/two front teeth, simple fractures of the jaw or nose, but with a possibility of complete recovery.
Face Serious £15,320.00 to £26,010.00 More serious fractures such as a broken jaw or nose, breaking/damage/loss of several teeth.
Face Severe £26,010.00 to £38,850.00 Severe injuries resulting in facial disfigurement, several jaw fractures, chronic tooth pain, and scarring. May lead to eating restrictions or higher risk of joint arthritis. Covers negative effects on mental health.
Ear/ hearing Minor Up to £5,980.00 Possible Noise Induced Hearing Loss (NIHL), slight/occasional tinnitus.
Ear/ hearing Moderate £12,700.00 to £25,350.00 Partial hearing loss or mild to severe tinnitus.
Ear/ hearing Serious £25,350.00 to £38,850.00 Complete deafness in one ear. Severity varies based on additional symptoms (e.g. dizziness, tinnitus, etc.).
Ear/ hearing Severe £77,430.00 to £120,040.00 Complete deafness in both ears. Higher compensation for child injuries also resulting in a loss of speech.

Average cycling accident compensation amounts for back, neck, shoulders and upper body injuries

Part of body Severity of injury Amount of compensation Types of injuries
Neck Minor Up to £6,680.00 Soft tissue injuries or whiplash with recovery within 3 – 24 months. Compensation factors include severity of pain and amount of negative effects on everyday life.
Neck Moderate £7,410.00 to £47,760.00 Covers injuries that accelerated a pre-existing condition, disc lesions, cervical spondylosis, serious limitation of movement, permanent and/or recurring pain, all caused by fractures or dislocations.
Neck Severe £56,100.00 to £139,210.00 Serious fractures, severe soft tissue damage, chronic pain conditions, disc damage, partial paraplegia, or significant, permanent disability.
Back Minor £2,090.00 to £10,670.00 Includes lighter strains, sprains, disc prolapses, and soft tissue injuries. Recovery between 3 months and 5 years.
Back Moderate £11,730.00 to £26,050.00 Includes: spinal fusion, compressed or fractured lumbar spine (possibly resulting in higher risk of osteoarthritis and constant pain), prolapsed discs and other injuries that may require surgery and a continued acceleration/worsening of a pre-existing back condition.
Back Severe £36,390.00 to £151,070.00 Typically requires surgery. Injuries include: damaged spinal cord and partial paralysis, psychological issues, loss of bladder and/or bowel function, disc lesions, impaired movement, arthritis, etc.
Shoulder Minor Up to £6,730.00 Soft tissue injury resulting in pain. Full recovery between 3 – 24 months.
Shoulder Serious £10,890.00 to £16,380.00 Fractured humerus, clavicle or rotator cuff needing surgery.
Shoulder Severe £16,380.00 to £40,970.00 Significant disability caused by severe damage to the neck or brachial plexus.
Pelvis & hips Minor £3,370.00 to £10,750.00 Complete recovery after minor soft tissue injuries. Little or no disability within 2 years.
Pelvis & hips Moderate £10,750.00 to £33,430.00 No serious disability, but covers injuries requiring hip operations, replacement of hips (or the need for either in the future).
Pelvis & hips Severe £33,430.00 to £111,690.00 Severe hip/pelvis fractures resulting in bowel damage or spinal fusion, childbirth complications, hip replacement, and/or leading to higher likelihood of future surgery.
Scarring (not facial) Minor £2,020.00 to £7,380.00 One noticeable scare or several superficial, unsightly scars on the legs, arms, or hands.
Scarring (not facial Moderate Up to £7,380.00 Full recovery within 2 years, up to a partial recovery with symptoms that are not largely debilitating.
Scarring (not facial Severe £6,680.00 to £19,390.00 Several noticeable laceration scars or a single disfiguring scar.

Average cycling accident compensation amounts for arm, hand, and finger injuries

Part of body Severity of injury Amount of compensation Types of injuries
Arm Mild £5,630.00 to £16,380.00 Fractured forearm.
Arm Moderate £16,380.00 to £33,430.00 Serious arm injury leading to long-lasting symptoms.
Arm Serious £33,430.00 to £111,690.00 Serious injury resulting in an inability to use the arm(s) to some extent. Does not result in amputation.
Arm Severe £82,040.00 to £255,930.00 Results may include the amputation of one/both arms. Compensation amount will depends on amputated area, whether phantom pain is experienced, and on other effects on the quality of life.
Elbow Moderate Up to £10,750.00 Includes: tennis elbow, deep cuts, simple fractures, no permanent damage.
Elbow Serious £13,360.00 to £27,320.00 Results in restricted movement but does not require surgery or cause disability.
Elbow Severe £33,430.00 to £46,780.00 Injury causes severe disability or requires surgery.
Wrist Moderate Up to £8,740.00 Uncomplicated Colles fracture or minor undisplaced fractures with recovery between 1 – 2 years. May include use of plasters.
Wrist Serious £10,750.00 to £20,900.00 Soft tissue damage or broken wrist causing some permanent disability.
Wrist Severe £20,900.00to £51,070.00. Significant permanent disability or complete loss of wrist function.
Hand Minor Up to £4,050.00 Covers lacerations and crush injuries, and soft tissue injuries (recovery within 6 months).
Hand Moderate £4,780.00 to £11,330.00 Covers penetrating wounds and crush injuries resulting in permanent but non-intrusive symptoms, or soft tissue damage and deeper cuts resulting in impairment of the hand (may require surgery).
Hand Severe £24,740.00 to £171,920.00 Covers amputation and rejoining of several fingers, resulting in a clawed, impaired, or unsightly hand, amputation of one/both hands (alternatively, amputation of several fingers rendering the hand almost useless).
Finger Minor Up to £4,055.00 Includes: full-healed fractured finger bones (healed within 1 year) with/without minor scarring.
Finger Moderate £3,370.00 to £5,000.00 Includes: complete (or almost complete) recovery after broken finger, amputation or loss of a part of the little finger.
Finger Severe £10,380.00 to £31,350.00 Includes: complete amputation of one/more fingers, fractures of the index finger. Compensation depends on level of disability and suffering.
Thumb Minor Up to £4,055.00 Short-term, severe pain gone within 3 months.
Thumb Moderate £3,370.00 to £10,750.00 Covers fractures with recovery within 6 months, damage to nerves or tendons resulting in partial loss of sensation, and cosmetic thumb deformities.
Thumb Severe £10,750.00 to £46,780.00 Partial/complete amputation of the thumb, surgical wire insertions, nerve damage, fractures, inability to grip.

Average cycling accident compensation amounts for leg and foot injuries

Part of body Severity of injury Amount of compensation Types of injuries
Leg Minor £7,780.00 to £12,010.00 Minor injuries with recovery within a few months (e.g. soft-tissue injuries, bruising, cuts, and contusions). Slightly more severe injuries such as simple fractures of the femur, tibia, or fibula.
Leg Moderate £15,320.00 to £46,780.00 Minor fractures with partial recovery, serious soft tissue injury, injuries to one leg (e.g. broken bones, crushing injuries), ligament injuries, compound fractures leading to near certainty of arthritis or instability.
Leg Severe £46,780.00 to £240,590.00 Severe injuries resulting in extensive degloving, bone grafting, permanently reduced mobility, or amputation of one/both legs (above/below the knee).
Knee Minor Up to £11,730.00 Includes soft tissue injuries (recovery within a few months), a twisted knee, lacerations, or bruising resulting in discomfort or pain.
Knee Moderate £22,340.00 to £37,070.00 Includes: seriously damaged kneecaps, ligaments, or muscles, dislocation, a torn meniscus, acceleration injuries (over several years), resulting in ongoing discomfort or pain.
Knee Severe £44,470.00 to £82,080.00 Covers constant pain, severe disability, or muscle wastage. Higher compensation if need for surgery or injury effects quality of life.
Ankle Minor Up to £11,730.00 Smaller fractures, but bone has not been displaced. May include sprains, injured ligaments (likely leads to scarring). Smaller injuries can allow for full recovery within a year, without any scarring.
Ankle Moderate £11,730.00 to £42,710.00 Includes ligament tears, fractures, leading to smaller disabilities while standing/moving. Increased risk of osteoarthritis. Operation/cast needed. May lead to inability to work or call for special footwear.
Ankle Severe £42,710.00 to £59,480.00 Severe injury resulting in deformities, disabilities, or even amputation of the body part down the line.
Achilles Minor £6,200.00 to £10,750.00 Minor instability due to tendon damage around the ankle. Some more severe cases might involve scarring.
Achilles Moderate £10,750.00 to £17,970.00 More serious injury and partially ruptured tendon. More severe cases tend to involve disability and/or permanent scarring.
Achilles Severe £21,320.00to £32,780.00 Restricted movement of the ankle due to severed muscle tissue. Small likelihood of further improvement of limp and residual scarring.
Foot Minor Up to £11,730.00 Includes: minor fractures, lacerations or contusions (with complete recovery within 2 years), ruptured ligaments or other puncture wounds that result in chronic pain or a permanent limp.
Foot Moderate £11,730.00 to £59,730.00 Includes: metatarsal fractures resulting in permanent deformity and ongoing symptoms, fractured heels (both), restricted mobility, degloving and heel fusion.
Foot Severe £71,640.00 to £171,920.00 Injury needing amputation of one/both feet or traumatic amputation of the forefoot (to prevent need for complete amputation).
Toe Minor Up to £8,190.00 One or more broken toes with a varying recovery period. Compensation depends on presence of long-term symptoms and speed of recovery.
Toe Moderate £8,190.00 to £11,730.00 Multiple fractures, crush injuries to two/more toes, permanent disability. May have involved unsuccessful past operations.
Toe Severe £11,730.00 to £47,830.00 Severe crush injuries leading to less/surgical amputation of one or two toes (not including the big toe), amputation of all toes or the big toe.

Unlimited legal support.

That’s right, we provide unlimited legal support for our prospective clients. Not sure if you have a claim, or if you even want to make a claim? You can speak with us for as long as you like and as many times as you like. We’ll let you know your legal rights, completely free of charge and with no obligation to make a claim.

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How long after my accident can I claim?

Under normal circumstances, you can claim up to three years after the accident has happened – though we’d encourage you to claim sooner. The earlier you can get your claim in with us, the easier it is for us to go through evidence such as witness reports.

There are some exceptions, for example, if you were under 18 at the time of the incident. Your claims advisor will be able to talk you through your options.

What is the claims process

Your cycle accident claims process will vary depending on your circumstances. It’s important to gather as much evidence as you can to make the claim easier – for example, numberplates, police and medical reports, photographs, and receipts. We’ll talk you through the whole process and be sensitive to your needs.

Can I claim if I’ve been involved in a Hit and run accident?

If you’ve been hit by a driver who fled the accident, we urge you to still make a claim. These claims will require an extra step, but we’ll still fight your corner to get you the compensation you deserve.

As a cyclist, you have the right to claim through the Motor Insurers’ Bureau. This was set up to protect road users, even cyclists, who do not need insurance. Claims of this type will not result in court proceedings as there is ‘no party’ to claim against.

Unlike other personal injury solicitors, we are proud to support untraced driver claims, and will guide you through the process to secure you as much compensation as possible.

Why should you choose us?

100% No-Win-No-Fee

Contact us with the comfort of knowing you’ll never be at financial risk when you claim with us. We cover all legal costs, never charge upfront fees, and we only get paid if you do.

Advanced payments available

We understand how an accident can affect your financial position. We always look to collect an early compensation (interim) payment where possible.

We can take over your case

With legal specialists for every type of accident claim, we can take over your claim at any stage from another solicitors. We take pride in winning cases other firms turn down.

What is the average compensation amount for a cycling accident?

There is no one-size-fits-all for how much you can claim, but we can offer you guidance based on historical records. One of the defining factors is the severity of the injury. For example, if you are left unable to walk due to a spinal injury, this could result in six-figure compensation.

Among other factors, we’ll assess your claim based on the physical injury to your body. For example:

  • Minor arm injuries start at around £4,000, but can go up to five figures in severe cases. If your injury results in amputation, you could claim as much as £200,000.
  • Severe leg injuries start at around £20,000, ranging up to £90,000. Again, in cases of amputation, this could be five figures.
  • Soft tissue or rib damage could result in compensation of up to £3,000.

Please remember that these figures are only guidelines. We’ll need to look at your lifestyle, property damage and physical/psychological injury. That’s why it’s best to give us as much evidence as possible to help your claim.

Causes of cycling accidents

While towns and cities across Britain are becoming more cycle-friendly, accidents can still happen. This can often be the fault of other road users, particularly if they are not paying due care and attention.

If the accident was not your fault, we can help you claim based on cycling accidents such as:

  • Drivers turning into the cyclist’s path – for example, overtaking and then turning left into the path of the cyclist
  • Failure to spot cyclists while changing lanes – if drivers are going at a much higher speed than the cyclist, they may not be able to slow down in time
  • Reckless driving – driving competitively or under the influence may cause errors in judgement
  • Pulling out of a junction – drivers may fail to ‘look twice’ for smaller road users, like cyclists, before turning out onto a main road
  • Opening a door onto a passing cyclist – if a driver does not watch out for passing traffic, open doors could catch cyclists unawares
  • Poorly maintained roads – it’s not always the fault of other road users. As bikes are lightweight, they are more susceptible to damage from potholes and bumps.

These kinds of accidents may result in minor injuries like skin grazes, or longer-term soft tissue damage, broken bones and even head trauma.

What to do after a cycling accident

If you’ve been injured, you’ll likely be feeling anxious and angry, while also having to endure physical pain. Your first priority is to make sure you are safe, by leaving the road and taking stock of the situation.

Next, you’ll need to determine the cause of the accident. Do not apologise or admit fault, as this could go against you in a personal injury claim. Ask any road users involved for their personal details, including insurance records. You may also need to speak to witnesses.

Take photographs if you’re able to, and report the accident to the police. Ask for a copy of your police report, and a medical report if you need assistance. You should report the accident as soon as possible. While doing so, make sure you have evidence of any property damage and physical injury.

Last but by no means least, ensure you get the medical care you need. For severe injuries, this can be long-term, such as physical rehabilitation. Our friendly, expert team is here to guide you through the entire process.

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