I would just like to let everyone know about QBE Insurance. After my claim is processed, I will be cancelling my policy with them. All my prior insurance companies (this is with car insurance) had a policy where you only pay excess if it's at-fault accident or any other incidents where the other at-fault party cannot be identified (including natural disasters). With QBE, excess applies to EVERY claim you make and you are only reimbursed if they recover the money from the other party. Why should I have to pay the bloody excess when I have provided rego details/eye witnesses/police report number? As long as I have provided details for them to start the process of recovering the money from the other party, I shouldn't have to pay excess. This means if the other party is broke with no money to pay, I will never get my excess reimbursed to me even though I have done nothing wrong. This isn't insurance. Big thumbs down to them and I will be voting with my feet. My bike will be insured with someone else from now on.