Just thought that Iâ€™d share my experience of Western QBE when it came to actually making an at-fault claim under a comprehensive insurance policy. The incident occurred 21 November 2007. Its now 2008 and I still don't have my cheque! The claim was ready to be finalised around December 12/13. It was decided the bike was a write-off as the damage bill came to over 70% of the purchase price of the bike. I returned the total loss form as well as the proposal for my new insurance to QBE by post. QBE received my proposal, and my new insurance was issued. They mysteriously didnâ€™t receive the total loss form that was in the SAME envelope... and so 3 weeks later I still am waiting for my cheque for the written off bike. I've emailed them this form again and they say they will finalise it today. Also, they tried to make me pay an 'inexperienced rider excess' despite the fact I've had my learners & license for over 4 years. They told me when I lodged the claim that I will only pay it if the VicRoads driver history shows I have had a license less than 3 years... but they decided to process my claim without bothering to order my driver history. As well as this a couple weeks ago I got a phone call from some kind of accident lawyer. Apparently QBE had not followed up with the ladyâ€™s car that my bike skidded into. I provided him with all the details and the claim number etc. I felt bad enough for inconveniencing her by denting her rear bumper bar and it buckling out on one side.. the fact she had to contact some legal person (maybe he was a friend of hers, not sure) shows that QBE really werenâ€™t going out of their way to get her car fixed under my policy. If it wasnâ€™t for them losing the total-loss form and not bothering to order my driver history, it could've been a very easy and straightforward process. Nov 21 - Dec 13 would see the claim lodged, processed and paid out in just over 3 weeks which is not too bad at all. This wasnâ€™t the case though. I am not going to bother changing my current bike away from QBE. I just plan not to have another incident! I couldnâ€™t change it anyway.. my current bike is a grey import so not many companies want to insure it. Hope this helps you if youâ€™re thinking about insuring with Western QBE or if you're making any insurance claim. They do say "you get what you pay for" and QBE (after price-beat) was the cheapest insurer. It looks like I should get paid now that I've emailed them the same form I posted them and they lost. Their service was not good in my case.. but it was not totally shit either, they did not refuse to pay up or anything. Iâ€™ve kept my rating 1 as the rating remains if you have under 1 at-fault claim per year. So thatâ€™s a positive. On the flipside, my insurance excess went up with the new bike by $200, when I thought the premium was the only variable. Just something to note when getting a new insurance quote after an incident. tips: *Use EMAIL as mail can get lost between departments. It is quicker, and you always have a record of it. Email the main claims address and always CC the same person (e.g. the one who lodged your claim.) If you donâ€™t have a scanner, just take a digital photo of your signed forms and attach that to the message. *Always use registered post. *Ring weekly for status updates.