Moped safety investigation: how it could affect motor premiums

GBB, a Davies company of research and forensic investigations, has concluded a year-long investigation surrounding mopeds. It is hoped that the research will protect both insurers and consumers from rising motor premiums.

The investigation judges the effect that dropping a moped to the ground has on its roadworthiness and safety. This is in order to help insurers determine repair costs and identify potentially dishonest claimants more easily.

The independent forensic investigation, funded and carried out by GBB, follows a rise in staged motorcycle accidents and “crash for cash” scams. These scams have been driving up costs for insurers in the form of storage and hire charges. It is these increasing expenditures which have been partly to blame for driving up motor premiums.

How did the study play out?

The study, which was led by director, Philip Hoyes, and head of research, Mike Hall, involved conducting three different rollover tests on a Yamaha Nmax 125 motorcycle to analyse the damage caused. Each test resulted in minor damage to the motorcycle, however measurements confirmed that no critical damage in any of the three tests conducted would cause the bike to be declared unroadworthy.

Three rollover tests were performed in the investigation. In test 1 the bike was allowed to fall freely from a vertical position onto its nearside. In test 2 the bike was supported on its side-stand. A force was then applied to cause it to fall onto its offside. In test 3 the bike was supported on its side-stand. A large impulse was then applied to cause the bike to fall onto its offside. All tests were filmed to assess their relative severity and were monitored by an accelerometer fixed to the rider’s seat at a height of 0.79m.

The report will be published in full in the Institute of Traffic Accident Investigators’ (ITAI) quarterly journal, “Impact”.

The results of the study are set to be used to help insurers more clearly estimate repair costs and determine roadworthiness of small motorcycles or mopeds which have either been dropped or, in fraudulent cases, thrown to the ground.

Potentially, this will save insurers thousands of pounds in storage and hire costs. These costs add up quickly while decisions are made on whether a bike can go back on the road, be repaired, or scrapped. With the scientifically backed evidence now able to be used to support investigations, it is also hoped it will now be much easier to identify potentially fraudulent claims at an earlier stage, preventing excessive motorcycle storage and hire charges.

What are the experts saying?

As Philip Hoyes, director at GBB, explains: “Incorrectly classifying bikes as unroadworthy means the cost of claims dramatically increases due to storage, hire, repair or replacement costs. Using the results of these tests will allow insurers to more accurately and quickly determine whether a bike is roadworthy or not, while also ensuring the safety of their customers.”

Commenting on the results, Martin Milliner, claims director, LV = General Insurance said: “Investigative and scientifically backed tests such as this one by GBB are a real benefit to insurers and the industry as a whole. We can use the results of the tests to help us to quickly determine claims cost and get our customers back on the road quicker and more safely. It’s also vital that we have as many tools to our belt as possible to stay one step ahead of fraud as we see a rise of fraudulent claims driving up our overall expenditure and ultimately the cost of premiums for everyone.”

Jon Radford, head of intelligence, investigations & data services at the Insurance Fraud Bureau (IFB) adds: “Crash for cash moped scams are a serious problem as they cost insurers millions and put countless innocent road users at risk. It’s vital that the industry collaborates and shares its insights to help tackle this issue and we welcome GBB’s significant contribution to this field of research.”

Image: GBB head of research, Mike Hall, provided by GBB.

Emma Cockings Emma is a content editor for Claims Media. Emma is a experienced writer with a background in client-centric personal injury for a major firm. She has attended and reported on multiple brokerage events throughout her career.