Many thanks for your reply.
In the event the insurance company does dispute the claim who is best placed to help my friend? Is it a solicitor or someone else?
Let's assume my friends insurance doesn't cover this, and they can't find a fault with the equipment. Then what happens to the people in the other car. Can they claim on their own insurance? And/or will they attempt to get compensation from my friend, presumably through a civil case? If the court finds in the favour of the people in the other car then what assets can they take? Her savings? Her house (which is jointly owned with her partner)? Can they also get money from her partner (who was also in the car and helped fix on the bike)? She wouldn't have enough money to cover the vehicle and any injury claims. Would they be able to take money from her future pay?
Thanks again. There were a few further points that I'd like clarifying - particularly about who she can get advice and help from:
Can they also get money from her partner (who was also in the car and helped fix on the bike)?