Motorbike Finance Claim

Motorbike finance claim estimates on this page apply the FCA's published compensation rules to your PCP or HP bike agreement, with every assumption shown.

Estimate my bike claim

The free route: you can complain to your lender yourself, and the FCA says you do not need a claims company or a law firm to take part in its scheme. Find your lender on the FCA's list.

Your agreement

Results update automatically as you type

1About the agreement

When did the agreement start? *

Month and year is enough. It is on your agreement or your credit file. We use the 1st of the month and show that.

What type of finance was it? *

The title of your agreement says which type it is.

What did the finance pay for? *

Any motor vehicle counts. Your answer does not change the figure.

Whose name was the agreement in? *

Mine, alone or with someone elseMy business: sole trader, partnership of 2 or 3, or unincorporated associationA company, an LLP or a partnership of 4 or more

The scheme covers people, sole traders and small partnerships. It does not cover companies.

Did you live in the UK when you took out the finance? *

Has this agreement already been dealt with? *

A complaint that is still open does not count.

Who was the lender? (optional)

Your answer does not change the figure. We use it to point you to that lender's free complaint route.

2The figures

How much did you borrow? *

Do not count your deposit. The FCA's rules call this the "total amount of credit".

What was the APR? *

The annual percentage rate on your agreement, for example 9.9. Tick "I do not know my APR" if you do not have it.

I do not know my APR

How many months did the agreement run for?

Count the monthly payments, for example 48. Leave it blank and we use 48 months, the default in the FCA's rules.

3Commission and extras

How much commission did the dealer get? (optional)

Most people do not know this, because your lender holds the figure. Leave it blank and we show a range.

Could the dealer choose your interest rate, and earn more commission for a higher rate?

This is a discretionary commission arrangement. We assume there was one when you are not sure. Your lender decides.

Lowest rate the dealer could have offered (optional)

Only your lender knows this. Leave it blank if you do not know.

Did the dealer have to offer this lender's finance first, or only this lender's finance?

This is a tie. We do not assume one when you are not sure. A tie with a car maker's own finance company does not count where the dealer was a franchised dealer with the same branding.

Results

Enter your agreement details

Answer the starred questions to see your estimate.

Scheme status as of 13 October 2026: the FCA scheme rules (PS26/3) are in force but partly suspended by the Upper Tribunal since 1 July 2026. The hearing is listed for 16 to 26 February 2027, and no scheme payments are expected before 2027.

This is a commission claim, not an accident or injury claim. It covers commission arrangements between the lender and the dealer that you were not told about, and our car finance claim calculator estimates what the FCA's method could pay.

Scheme status as of 13 October 2026: the FCA scheme rules (PS26/3) are in force but partly suspended by the Upper Tribunal since 1 July 2026. The legal challenges are listed for 16 to 26 February 2027. Until the case ends, lenders do not have to calculate or pay compensation (redress), and no payments are expected before 2027.

Bikes the FCA scheme covers

The FCA names motorbikes next to cars and vans, for PCP, HP and conditional sale agreements from 6 April 2007 to 1 November 2024. Scooters and mopeds are not named. The test is whether the bike is a mechanically propelled vehicle intended for road use; each lender settles that with its own legal advice. A leased bike is outside the scheme.

Bike finance names on the FCA lender list

Bike finance names belong to separate lenders, so the brand on your paperwork may not be the company to complain to. The FCA's list, checked on 13 October 2026, links these names to lenders:

Triumph Motorcycle Finance, Kawasaki Finance, Harley-Davidson Finance and Peugeot Scooter Finance: Black Horse Limited;
BMW Motorrad Financial Services: BMW Financial Services (GB) Limited;
Yamaha Motor Finance and KTM Finance: Santander Consumer (UK) Plc;
Norton Motorcycles Financial Services: CA Auto Finance UK Ltd.

Yamaha, KTM and Triumph names appear under two lenders, so complain to the lender named on your agreement.

How to claim for a bike for free

Send your complaint to the lender, using the contact details or template letter on the FCA list. The FCA gives you 1 month to accept or challenge the lender's decision. The Financial Ombudsman Service reviews a disputed one for free, checking only whether the lender followed the scheme rules.

Questions bike owners ask

I sold the bike. Does the claim survive?

Yes. The claim follows the finance agreement, not the bike.

I had two bikes on finance. Is that one claim?

No, it is two. Each agreement is assessed on its own terms, so estimate each one and list both in your complaint. Vans follow the same rules: see van finance claim.

Estimate another bike agreement

Bike owners pay nothing to complain to the lender, and the FCA scheme needs no claims firm.

Written and checked by

Tirion Oman

Motor Finance Claims Specialist

Claims manager with 10+ years in UK car finance

Checked against PS26/3 and CONRED 5 and 6. About the author

Published: 13 October 2026

Rules version: PS26/3, 30 March 2026